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ACA Marketplace Premiums Are Set to Rise 15% in 2027 as Tax Credits Expire

It would be the second straight year of double-digit increases, with lapsed subsidies among the drivers.

By THRYV Life Desk·Published August 26, 2026·Updated August 26, 2026·5 min read
ACA Marketplace Premiums Are Set to Rise 15% in 2027 as Tax Credits Expire
Health · Illustration commissioned for THRYV. Photography is replaced with original imagery as each story is produced.

The takeaway

Insurers are proposing a median 15% premium increase for ACA marketplace plans in 2027, the second straight year of double-digit hikes after 2026's finalized 20% rise, according to a KFF analysis of 276 insurers. Rising health care prices are the top driver, compounded by the expiration of enhanced premium tax credits at the end of 2025.

Shoppers on the ACA marketplace should brace for another round of steep premium increases in 2027. A KFF analysis of preliminary rate filings from 276 insurers found a median proposed increase of 15% for the coming plan year, marking the second consecutive year of double-digit hikes.

How much premiums are rising

  • Median proposed increase for 2027: 15%
  • 2026 saw a finalized increase of 20%, the steepest in years
  • This is the second-highest requested rate change since 2018
  • Analysis covers 276 insurers across all 50 states and Washington, D.C., with detailed filings reviewed from 16 states and D.C.

Why insurers say costs are climbing

  • Rising health care prices and service costs
  • General economic inflation
  • Labor shortages affecting providers
  • Expiration of enhanced premium tax credits at the end of 2025
  • Increased morbidity in the marketplace risk pool following the tax-credit expiration
Rising healthcare prices, as in prior years, remain the primary driver of 2027 premium increases.
KFF, Peterson-KFF Health System Tracker

What it means for shoppers

These are preliminary filings, not final rates, so the numbers could still shift before open enrollment. But combined with the loss of enhanced subsidies that had been cushioning costs for many enrollees since the pandemic, marketplace shoppers should expect a materially higher bill when they renew or shop for 2027 coverage.

Sources

This article is original writing by THRYV. We link to primary reporting and official documents rather than reproducing them.

  1. How Much and Why ACA Marketplace Premiums Are Going Up in 2027 — KFF / Peterson-KFF Health System Tracker

Why you can trust this article

Written and edited in-house by the THRYV Life Desk. We do not republish or reword agency copy, and we do not invent quotes, statistics, testimonials or ratings. Where figures move frequently, we point you to the primary release rather than printing a number that will be out of date. Advertising and affiliate partnerships have no influence on our reporting — see our editorial standards, fact-checking policy and affiliate disclosure. Spotted an error? Write to newsroom@thryv-news.com.

General information only. Not personalised financial, medical or legal advice.

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