ACA Marketplace Premium Rate Tracker: Insurers Propose a 15.6% Premium Increase for 2027

*Note: The tracker will be updated in real time as states release preliminary rate filings.
Check back regularly for state-by-state updates.

Insurers have requested a 15.6% increase in marketplace premiums, on average, across all 50 states and the District of Columbia for the 2027 plan year. The tracker below shows the weighted average rate increase in each state and is being updated regularly as states finalize their rate filings. Check back regularly for state-by-state updates.  

This fall, as consumers and families shop for health coverage on the Affordable Care Act (ACA) marketplace, many will find that the cost of their health plan has increased yet again. After a record-breaking 25.5% increase in average national premiums last year, insurers have requested another 15.6% increase in premiums this year, citing rising hospital and drug prices, provider consolidation, and the loss of healthier enrollees due to the expired premium tax credit (PTC) enhancements.  

Between 2019 and 2025, marketplace rates were extremely stable, only growing by an average of 3.9% per year. This trend of single-digit average increases ended in 2026, when the average rate increase was 25.5%, and these double-digit increases are set to continue in 2027 as a direct result of a coordinated effort Congressional Republicans and the Trump administration to make health coverage harder to afford and keep. Congressional Republicans passed H.R. 1 in July 2025, which enacted significant health care cuts and undermined the ACA. Congress also allowed the PTC enhancements that drove record-high marketplace enrollment to expire at the end of 2025, creating extreme volatility and insurmountable affordability barriers for many consumers in 2026. Additional regulations released by the Trump administration – the Marketplace Integrity Rule in 2025 and the 2027 Notice of Benefit and Payment Parameters – continue a deliberate, piecemeal dismantling of the ACA, imposing new administrative and financial barriers to getting and keeping marketplace coverage.  

The tracker below shows how much marketplace premiums increased in each state and nationwide while the PTC enhancements were in effect (2022-2025), the final rates for 2026, and the proposed and final rates for 2027. Importantly, these premium increases are the gross percentages. Because of the way PTCs are structured, enrollees who receive them (87% of enrollees in 2026) are relatively insulated from gross premium increases as long as their income and household circumstances remain the about the same from one year to the next. 

The methodology used to create this chart can be found by toggling the tracker to “Methodology”. As states finalize rates, the tracker will be updated to estimate the impact that approved increases will have on gross premiums.