Premiums for 2026 are projected to rise at the fastest pace in at least five years.

A KFF analysis found that marketplace plans under the Affordable Care Act (ACA) will see the steepest hikes.

If enhanced ACA premium tax credits expire at the end of 2025, many families will pay far more out of pocket.

What’s driving the increases?

What we know:

Lagging inflation in health care: Overall inflation peaked three years ago, but health care costs typically rise more slowly, then catch up later.

Health labor shortages: Hospitals and clinics are paying more to recruit and retain staff, passing those costs on to patients and insurers.

Provider consolidation:

What we don't know:

Whether Congress will renew enhanced ACA subsidies before they expire.

If proposed tariffs on drugs and devices

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