Obamacare premiums surged this year. A new analysis shows it’s likely to happen again in 2027
Summary
Health insurance premiums under the Affordable Care Act (Obamacare) are expected to rise again in 2027, following a large increase in 2026. Insurers say the higher costs are due to rising healthcare expenses, changes in federal rules, and the end of pandemic-era financial help for some enrollees.Key Facts
- Insurers in the ACA marketplace are proposing an average premium increase of 14% for 2027.
- In 2026, premiums already went up by about 20% on average.
- Major reasons for higher premiums include rising costs of hospital care, drugs, and treating sicker patients.
- The end of extra federal subsidies from the pandemic caused many healthier enrollees to leave, leaving a riskier group that costs more.
- The ACA marketplace lost over 2.5 million enrollees in the past year according to data from the Trump administration.
- Some insurers said new enrollment and eligibility rules introduced by the Trump administration also contributed to the need for higher rates.
- People making over 400% of the poverty level may face steep premium increases since they do not qualify for subsidies.
- No major new healthcare laws have passed to address the rising costs in the ACA system so far.
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