ACA Marketplace Premium Rate Tracker: Insurers Likely to Propose Premium Increases 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.

Across the country, insurers are beginning to submit their preliminary premium increases for the 2027 Open Enrollment Period. 

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. As preliminary data is released, insurers are citing factors such as rising hospital and drug prices, provider consolidation, and uncertainty about who will remain in the individual market as Congress continues to allow the expired enhanced premium tax credits to linger unresolved. Some states are receiving extremely high rate requests: for example, UnitedHealthcare is requesting a 52% increase in New York. Final rates will be added to the tracker as state regulators finalize 2027 rates in August.  

Since 2019, marketplace rates were extremely stable, only growing by an average of 3.86% per year. This trend of single-digit average increases ended in 2026, when the average rate increase was 25.52%, and appears set to continue in 2027 as a direct result of a coordinated effort across the federal government 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 enhanced premium tax credits that drove record-high marketplace enrollment to expire at the end of 2025, creating extreme volatility in 2026 and mass confusion among consumers. Additional regulations released by the Trump administration — the Marketplace Integrity Rule and 2027 Notice of Benefit and Payment Parameters — continue a deliberate dismantling of the ACA and put the coverage of 25 million marketplace enrollees at risk.  

ACA Marketplace Premium Rate Tracker

The tracker below shows the rates at which marketplace premiums have increased in each state and nationwide since 2023, both on average and cumulatively, as well as proposed rates for 2027. It also features proposed 2026 rates alongside final 2026 rates to illustrate that preliminary filings can — and often do — shift before they are finalized, exacerbated by federal policy changes, like they did in the 31 states highlighted in red. Importantly, these premium increases are the gross percentages, and after taking financial assistance most ACA enrollees receive, the impact on consumers is often a much higher percentage increase. 

Toggle the tracker to “premium increases” to see the dollar impact these proposals would have, if finalized, on premiums for working families struggling to afford their coverage.