How much are marketplace premiums rising in each of our 22 states?
Weighted average increases for 2027 run from 5.7% in Iowa to 27.9% in Arizona, with a middle value of 16.65% across our 22 states. Seven states are at 20% or more: Alaska, Arizona, Georgia, Kansas, Montana, Oklahoma and South Carolina. Only Iowa and Utah are under 10%. Rates are final in 15 states and still proposed in seven.
| State | Weighted average increase | Status |
|---|---|---|
| Alaska | 22.9% | Proposed |
| Arizona | 27.9% | Final |
| Florida | 10.4% | Final |
| Georgia | 20.7% | Final |
| Idaho | 12.0% | Final |
| Indiana | 17.5% | Final |
| Iowa | 5.7% | Final |
| Kansas | 24.2% | Proposed |
| Louisiana | 18.1% | Final |
| Michigan | 14.5% | Final |
| Minnesota | 17.7% | Final |
| Missouri | 12.5% | Proposed |
| Montana | 22.6% | Final |
| Nebraska | 13.3% | Proposed |
| Nevada | 17.0% | Final |
| North Carolina | 14.0% | Final, semi-weighted |
| Ohio | 16.3% | Final |
| Oklahoma | 20.2% | Proposed, semi-weighted |
| South Carolina | 22.1% | Final, semi-weighted |
| Tennessee | 12.7% | Proposed, semi-weighted |
| Texas | 13.1% | Proposed, semi-weighted |
| Utah | 6.7% | Final |
- Arizona27.9%
- Kansas (proposed)24.2%
- Alaska (proposed)22.9%
- Montana22.6%
- South Carolina22.1%
- Georgia20.7%
- Oklahoma (proposed)20.2%
- Louisiana18.1%
- Minnesota17.7%
- Indiana17.5%
- Nevada17.0%
- Ohio16.3%
- Michigan14.5%
- North Carolina14.0%
- Nebraska (proposed)13.3%
- Texas (proposed)13.1%
- Tennessee (proposed)12.7%
- Missouri (proposed)12.5%
- Idaho12.0%
- Florida10.4%
- Utah6.7%
- Iowa5.7%
Source: Healthinsurance.org, built from state regulator filings and ACA Signups, checked October 30, 2026
These percentages are for individual market plans before tax credits. Healthinsurance.org builds each one from state regulator filings, weighting every insurer's increase by its enrollment. In five states (North Carolina, Oklahoma, South Carolina, Tennessee and Texas) some filings did not show enrollment, so the figure is a semi-weighted estimate.
Does a 20% rate increase mean my bill goes up 20%?
Not if you get a premium tax credit. The credit equals the price of the benchmark plan (the second lowest cost silver plan in your area) minus a share of your income, so when the benchmark price rises, the credit rises by the same dollars. About 87% of people who enrolled for 2026 got a tax credit, according to CMS data reported by Healthinsurance.org.
Here is an example with made up prices. A single person earning $40,000 is at about 251% of the poverty level, and the 2027 share of income for that level is 8.68%, or $289 a month. If the benchmark plan costs $800 a month, the credit is $511. If the benchmark costs $920, the credit is $631 and the person still pays $289 for the benchmark plan.
The full increase falls mainly on people who do not get a credit: households above 400% of the poverty level ($63,840 for one person and $132,000 for a family of four in 2027), and anyone who buys an individual plan outside the marketplace. For 2027 the share of income people pay changes only slightly, from a range of 2.10% to 9.96% in 2026 to 2.15% to 10.22%.
Why are marketplace premiums rising in 2027?
Insurers cite the same causes in their filings, as summarized by Healthinsurance.org:
- Higher hospital and drug prices, including GLP-1 drugs.
- Higher labor costs and more use of medical services.
- General inflation.
- The end of the enhanced federal subsidies, which insurers expect to leave a sicker group of people in the market and raise the cost per person.
- Federal rule changes that insurers expect to lower enrollment. Several of these rules have been blocked in court and are not taking effect this fall, according to Healthinsurance.org.
How reliable are these state numbers?
Final rates are approved and will not change. Proposed rates can still change before they take effect, and we will update this page when they are finalized. A state's average does not tell you what your own plan will cost: the increase depends on your insurer, your county, your age and the plan level you choose.
Open enrollment for 2027 starts November 1, 2026, and the marketplace shows exact prices for your ZIP code then. To see which insurers are leaving a state, read our guide to what happens if your insurer leaves.
See our Individual & Family plans
Major medical coverage for you and your household, with subsidies applied where you qualify.2027 health insurance subsidy calculator
Enter your state, household size and income to see your 2027 expected premium, your savings and whether Medicaid may apply.
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