ACA Marketplace Premiums Rising 14% for 2027 as Costs Spike
Insurers are proposing a median 14% premium increase for 2027 ACA Marketplace plans, the second-highest hike since 2018. The increases reflect rising healthcare costs, expiration of enhanced tax credits, and a sicker, smaller risk pool left behind after healthier enrollees dropped coverage.
Health insurers across the United States are requesting steep premium increases for 2027 Affordable Care Act Marketplace plans, signaling another year of affordability pressures for Americans purchasing individual coverage.
Across the 77 ACA Marketplace insurers in the 16 states and DC that have submitted rate filings so far, most are requesting premium increases of between 10% and 20% for 2027, with 20 insurers requesting premium increases of more than 20%. July 15 is the deadline for health insurance companies to submit their proposed premiums for 2027 ACA Marketplace plans.
Why Premiums Are Rising
The underlying cost of medical care and prescription drugs has risen by 10% for 2027—greater than the 8% average growth seen over the last few years. The ACA's enhanced premium tax credits expired at the end of 2025—leading to a 58% average increase in out-of-pocket premiums in 2026 and deductibles of about $1,000 more per person.
This caused many healthier enrollees to leave the ACA Marketplaces in 2026, leaving behind a smaller number of enrollees who are somewhat sicker and more expensive to cover on average. Insurers say they must raise rates to cover the higher medical costs associated with this less healthy remaining population.
What this means for you: If you're on the ACA Marketplace for 2027, expect your premiums to rise significantly even if you qualify for a subsidy. Many expats and immigrants who relied on marketplace coverage saw their costs jump in 2026 when enhanced subsidies expired. For 2027, you'll need to shop carefully during the November open enrollment period to find the most affordable plan for your situation. If you're a green-card holder, recent immigrant, or refugee, note that additional restrictions on subsidy eligibility take effect in 2027—some categories of immigrants will lose access to tax credits entirely.
Sources
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