Insurers are requesting an average 9% premium increase for 2027 ACA marketplace plans, the largest proposed hike in five years, driven by rising drug costs and increased utilization of telehealth services.

Why Premiums Are Rising

GLP-1 weight loss drugs account for nearly half the increase, as insurers are now required to cover them in many states. Hospital consolidation is also driving up negotiated rates across the country.

Consumer Options

Insurance advisors recommend shopping during open enrollment rather than auto-renewing, as plan pricing varies dramatically. Subsidies will cushion the impact for households earning under 400% of the poverty line.