{"id":1806,"date":"2026-10-27T14:30:00","date_gmt":"2026-10-27T20:30:00","guid":{"rendered":"https:\/\/www.thelatinamericans.com\/?p=1806"},"modified":"2026-10-26T14:43:38","modified_gmt":"2026-10-26T20:43:38","slug":"primas-aca-2027-alza-mediana-inscripcion-abierta","status":"publish","type":"post","link":"https:\/\/www.thelatinamericans.com\/en\/primas-aca-2027-alza-mediana-inscripcion-abierta\/","title":{"rendered":"ACA insurers propose a median increase of 15% in 2027 premiums"},"content":{"rendered":"<p>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.<\/p>\n<h2>What the figures say<\/h2>\n<p>The analysis of <a href=\"https:\/\/www.kff.org\/affordable-care-act\/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2027\/\">KFF<\/a> 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.<\/p>\n<p>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%.<\/p>\n<h2>Why are they going up?<\/h2>\n<p>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.<\/p>\n<h2>Open registration dates<\/h2>\n<p>According to <a href=\"https:\/\/www.healthcare.gov\/quick-guide\/dates-and-deadlines\/\">HealthCare.gov<\/a>, The schedule for 2027 coverage is as follows:<\/p>\n<ul>\n<li>November 1st: Open registration begins.<\/li>\n<li>December 15: Last day to sign up or change your plan with coverage starting January 1.<\/li>\n<li>January 15: Open registration ends.<\/li>\n<li>February 1: Coverage begins for those who enroll between December 16 and January 15 and pay the first premium.<\/li>\n<\/ul>\n<p>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.<\/p>\n<h2>How to know how much you will pay<\/h2>\n<p>A proposed rate is not what each household pays. According to <a href=\"https:\/\/www.healthcare.gov\/lower-costs\/qualifying-for-lower-costs\/\">HealthCare.gov<\/a>, 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.<\/p>\n<figure class=\"tla-inline\" data-tla=\"visual\"><img decoding=\"async\" src=\"https:\/\/www.thelatinamericans.com\/wp-content\/uploads\/2026\/10\/ilustracion-1806-btIqBv-1024x576.jpg\" alt=\"Las aseguradoras de la ACA proponen un alza mediana de 15% en las primas de 2027\" width=\"1024\" height=\"576\" loading=\"lazy\" class=\"wp-image-1808\" srcset=\"https:\/\/www.thelatinamericans.com\/wp-content\/uploads\/2026\/10\/ilustracion-1806-btIqBv-1024x576.jpg 1024w, https:\/\/www.thelatinamericans.com\/wp-content\/uploads\/2026\/10\/ilustracion-1806-btIqBv-300x169.jpg 300w, https:\/\/www.thelatinamericans.com\/wp-content\/uploads\/2026\/10\/ilustracion-1806-btIqBv-768x432.jpg 768w, https:\/\/www.thelatinamericans.com\/wp-content\/uploads\/2026\/10\/ilustracion-1806-btIqBv-1536x864.jpg 1536w, https:\/\/www.thelatinamericans.com\/wp-content\/uploads\/2026\/10\/ilustracion-1806-btIqBv-18x10.jpg 18w, https:\/\/www.thelatinamericans.com\/wp-content\/uploads\/2026\/10\/ilustracion-1806-btIqBv.jpg 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<h2>What does it mean to you?<\/h2>\n<ul>\n<li>If you purchase your insurance independently, your 2027 premium will likely change. You&#039;ll see the exact amount starting November 1st.<\/li>\n<li>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.<\/li>\n<li>Compare options before December 15 if you want coverage from January 1.<\/li>\n<li>For help, the HealthCare.gov line is 1-800-318-2596.<\/li>\n<\/ul>\n<p class=\"tla-aviso-legal\"><em><strong>Legal notice:<\/strong> This information is general and does not replace guidance from the official agency or a licensed professional regarding your specific case.<\/em><\/p>","protected":false},"excerpt":{"rendered":"<p>KFF analyzed proposed rates from 276 insurers. Open enrollment begins November 1st, and everyone will see the exact price of their plan then.<\/p>","protected":false},"author":1,"featured_media":1807,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_oxygen_hide_in_design_set":false,"_oxygen_tags":"","_cabeceras_dek":"KFF analiz\u00f3 tarifas propuestas de 276 aseguradoras. La inscripci\u00f3n abierta empieza el 1 de noviembre y ah\u00ed cada persona ver\u00e1 el precio exacto de su plan.","_cabeceras_official_sources":[{"name":"KFF","url":"https:\/\/www.kff.org\/affordable-care-act\/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2027\/"},{"name":"HealthCare.gov: dates and deadlines","url":"https:\/\/www.healthcare.gov\/quick-guide\/dates-and-deadlines\/"},{"name":"HealthCare.gov: how to qualify for lower costs","url":"https:\/\/www.healthcare.gov\/lower-costs\/qualifying-for-lower-costs\/"}],"_cabeceras_claims":[{"claim":"Las aseguradoras del mercado ACA proponen para 2027 un aumento mediano de 15% en las primas.","support":["F1"],"unknown":[],"status":"ok"},{"claim":"El an\u00e1lisis de KFF cubre 276 aseguradoras en los 50 estados y Washington D.C., actualizado el 3 de agosto de 2026.","support":["F1"],"unknown":[],"status":"ok"},{"claim":"Para 2026 el aumento mediano propuesto fue de 18% y el finalmente aprobado de 20%.","support":["F1"],"unknown":[],"status":"ok"},{"claim":"Los cr\u00e9ditos fiscales mejorados vencieron a finales de 2025 y las aseguradoras lo citan como factor.","support":["F1"],"unknown":[],"status":"ok"},{"claim":"La inscripci\u00f3n abierta para 2027 empieza el 1 de noviembre.","support":["F2"],"unknown":[],"status":"ok"},{"claim":"El 15 de diciembre es el \u00faltimo d\u00eda para inscribirse con cobertura desde el 1 de enero.","support":["F2"],"unknown":[],"status":"ok"},{"claim":"La inscripci\u00f3n abierta termina el 15 de enero; quienes se inscriban del 16 de diciembre al 15 de enero tienen cobertura desde el 1 de febrero.","support":["F2"],"unknown":[],"status":"ok"},{"claim":"Del 16 de enero al 31 de octubre solo se obtiene cobertura con un per\u00edodo especial de inscripci\u00f3n.","support":["F2"],"unknown":[],"status":"ok"},{"claim":"Los niveles de ingreso de 2027 se publicar\u00e1n el 1 de noviembre y el ahorro se basa en el ingreso estimado del a\u00f1o de cobertura.","support":["F3"],"unknown":[],"status":"ok"},{"claim":"El tel\u00e9fono de ayuda de HealthCare.gov es 1-800-318-2596.","support":["F3"],"unknown":[],"status":"ok"}],"tla_reel_url":"","_tla_reel_video":2036,"_tla_reel_video_fb":2038,"_tla_reel_portada":2037,"_tla_reel_programado":0,"_tla_reel_copy":"\u00bfCompras tu seguro m\u00e9dico por tu cuenta? Tu prima de 2027 podr\u00eda subir\n\nNota completa: https:\/\/www.thelatinamericans.com\/primas-aca-2027-alza-mediana-inscripcion-abierta\/\n\n#ACA #SeguroMedico #LatinosEnEEUU","footnotes":""},"categories":[54],"tags":[652,654,66,653,69],"class_list":["post-1806","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-medicaid-obamacare","tag-aca","tag-inscripcion-abierta","tag-obamacare","tag-primas","tag-seguro-medico"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ACA 2027 Premiums: Proposed Median Increase of 15%<\/title>\n<meta name=\"description\" content=\"Insurance companies are proposing a median increase of 15% by 2027. 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