1. Premiums on the ACA Marketplace are going up significantly

Insurers across all states are proposing steep rate increases for 2026.

Analyses show the median proposed increase among 312 insurers is 18% for 2026 — more than double last year’s ~7%.

Some carriers are seeking increases of 20 % or more, and a few states/markets might see 30-40% jumps.

What this means for you: If you purchase your plan on the ACA marketplace (or are renewing), budget for higher premiums. If you qualify for subsidies, the changes below matter even more.