ACA Health Insurance Premiums to Rise 15% in 2026 as Subsidies Expire

Health insurance plans offered through the Affordable Care Act (ACA) are facing a significant average premium increase of 15% for the year 2026, marking the largest hike in seven years. This adjustment follows the expiration of federal subsidies that had previously helped offset the cost for many policyholders. Additionally, recent legislation has introduced new administrative requirements for ACA enrollees, such as additional paperwork for annual coverage renewals, potentially complicating the renewal process for insured individuals.

The upcoming premium increases and subsidy expiration present new challenges for insurers and policyholders within the ACA marketplace. Insurers must navigate these regulatory changes while managing risk and pricing strategies amid evolving legislative environments. This development is critical for insurance professionals monitoring market affordability, regulatory compliance, and the impact on consumer access within the health insurance sector.