KFF analyzed proposed rates from 276 insurers. Open enrollment begins November 1st, and everyone will see the exact price of their plan then.
Affordable Care Act (ACA) marketplace insurers are proposing a median premium increase of 15% by 2027, according to a KFF analysis updated on August 3, 2026. Open enrollment for that year begins on November 1, at which point each person will be able to see the exact price of their plan.
What the figures say
The analysis of KFF It covers 276 insurers with public rates in the 50 states and Washington DC. These are proposed, not final, rates: the report itself does not report the final rates for 2027.
KFF describes this as the second consecutive year of double-digit increases and the second largest increase requested since 2018. For 2026, the median proposed increase was 18% and the one finally approved was 20%.
Why are they going up?
According to KFF, insurers cite rising healthcare costs, general inflation, and staffing shortages. They also mention the expiration, at the end of 2025, of enhanced tax credits for premiums and the resulting shift in the health profile of those who remain insured.
Open registration dates
According to HealthCare.gov, The schedule for 2027 coverage is as follows:
- November 1st: Open registration begins.
- December 15: Last day to sign up or change your plan with coverage starting January 1.
- January 15: Open registration ends.
- February 1: Coverage begins for those who enroll between December 16 and January 15 and pay the first premium.
From January 16 to October 31, coverage can only be obtained through a special enrollment period for a life change, according to the same page.
How to know how much you will pay
A proposed rate is not what each household pays. According to HealthCare.gov, The savings depend on the income estimate for the year for which coverage is requested, not the previous year. The page indicates that 2027 income levels will be published on November 1st and that exact prices appear upon completion of the application.
What does it mean to you?
- If you purchase your insurance independently, your 2027 premium will likely change. You'll see the exact amount starting November 1st.
- From that date you can update your application on HealthCare.gov with the changes you expect during the year, such as income or household size.
- Compare options before December 15 if you want coverage from January 1.
- For help, the HealthCare.gov line is 1-800-318-2596.
Legal notice: This information is general and does not replace guidance from the official agency or a licensed professional regarding your specific case.
