Americans who purchase health insurance through the Affordable Care Act (ACA) Marketplace could face another year of significant premium increases in 2027, according to new preliminary data released by Families USA. The consumer advocacy organization has also launched a live online tracker that monitors proposed premium increases across the country as insurers submit their rate filings. Look up your state.
Another Price Hike To Drive Costs Up
The early filings suggest that many states are experiencing another round of double-digit premium increase requests, following an average premium hike of 25.5% in 2026. In some states, insurers are seeing average increases of more than 22% in 2027, signaling continued affordability challenges for individuals and families who rely on marketplace coverage.
Families USA notes that these increases come after several years of relatively modest premium growth. Between 2019 and 2025, average marketplace premiums generally rose by single-digit percentages. However, that trend shifted dramatically in 2026, and current projections indicate that consumers could see another substantial jump in costs for 2027. As premiums increase, the number of Americans who are utilizing the ACA marketplace is steadily decreasing. 2026 numbers show that about 19.1 million Americans have coverage through the platform, representing a decline from 22.1 million in the year prior.
Many Question What is Driving the Costs Up
As the questions regarding why the premiums continue to rise circulate, the simple answer is that there are several reasons and factors causing the price hike, which makes it difficult to say that the cause was due to one event. According to healthcare policy expert Meredith Rosenthal,“Recent research has shown that prescription drugs, physician services, and hospital care (in that order), are the most important drivers of cost increases for health care services. Moreover, increased utilization of some high-cost diagnostics and therapies like “skin substitutes” used in wound care—as opposed to price inflation—seems to be the most important factor in the last few years.”
While a number of American families will continue to qualify for subsidies through Obamacare, many middle-class families will feel the sting as they no longer be eligible and could face significantly higher healthcare costs. This includes households with incomes at or above 400% of the poverty level, approximately $63,000 per year for an individual or $129,000 for a family of four.
Solidarity HealthShare is Committed to Affordable Healthcare
At Solidarity HealthShare, we believe that families should not have to choose between healthcare and essential bills. As healthcare costs continue to rise, we are committed more than ever to offer affordable, ethical care for our Members and their families. Our Solidarity programs are designed to meet families where they are, providing access to the care they need without requiring them to pay for services they may never use or do not need.
For more information about how you can join the Solidarity community, please contact our Member Care team today at 737-SHARING or check prices online.