ACA insurers seek double-digit premium increases for 2027 as enrollment falls
Insurers selling Affordable Care Act plans are asking for steep premium increases for 2027 , with early rate filings showing a median requested rise of roughly 14 percent and many carriers seeking double-digit hikes.
The proposed increases track two reinforcing pressures. The enhanced federal subsidies that held down out-of-pocket premiums during the pandemic era have lapsed, so healthier, price-sensitive customers are more likely to drop coverage. As enrollment shrinks and skews sicker, insurers price for a costlier risk pool, which in turn pushes more people out — the dynamic that drives an insurance market toward instability.
The filings are requests, not final rates; state regulators still review them before the fall open-enrollment period. But they signal that ACA coverage is likely to get materially more expensive for people who buy it without large subsidies.