ACA premiums rise at enrollment
The gist
ACA marketplace premiums for 2027 rise about 13% on average, the second straight year of double-digit increases.
Subsidy-eligible enrollees are largely shielded, but full-price buyers face the steepest bills.
How it unfolded
- Oct 31, 2025ACA open enrollment for 2026 began with Healthcare.gov premiums up about 30% on average; more than 24 million Americans get insurance through the ACA.
- Nov 9, 2025Enrollees reported premium jumps, including one Blue Cross and Blue Shield of Texas policy rising to $1,380 a month from $862.
- Jan 15, 2026The 21.7% increase in ACA premiums for 2026 was attributed to medical care cost trends and risk from shrinking enrollment after enhanced premium tax credits expired.