2027 Health Insurance Premium Increases by State

On this page

• Why premiums are rising for 2027
• Average 2027 rate change by state
• Averages hide big differences by insurer
• Why most people won’t pay the full increase
• Frequently asked questions

Why premiums are rising for 2027

A few things are pushing rates up at once. Insurers’ median estimate of underlying medical cost growth for 2027 is 10%, up from an average closer to 8% in recent years, driven by provider contract increases and claims running higher than expected in 2025. On top of that, insurers say the enhanced premium tax credit’s expiration is thinning out the risk pool. Healthier people are more likely to drop coverage once it costs more out of pocket, leaving a sicker, costlier group behind, which insurers estimate adds about 4 percentage points to the average rate. GLP-1 drugs for weight loss are a growing cost too: one insurer reported per-member spending on them rising $28.30 a month from 2025 to 2027, and another said the share of members using them grew from 1.6% to 5.4%. General inflation, labor costs and provider consolidation add more on top.

Nationally, insurers’ rate filings put the median proposed increase at about 15% across 276 insurers in all 50 states and DC. A separate tracker that follows each state’s filings as they’re finalized puts the weighted average at about 15.2% as of late September 2026, with the average unsubsidized premium rising from about $741 a month in 2026 to about $854 in 2027.

Average 2027 rate change by state

These are the average rate changes insurers filed for the individual market in each state. Some are still proposed and could shift before a state’s insurance regulator signs off; others are already final. In states that offer their own premium subsidy on top of the federal one (about 10 states plus DC, including Virginia’s new program for 2027), residents may feel less of the increase than the table below suggests. Click a state for its 2026 prices, insurers and enrollment dates, or compare 2026 prices in every state.

State	Average 2027 change	Status
Alabama	20.7%	Final
Alaska	22.9%	Proposed
Arizona	~29%	Proposed
Arkansas	6.0%-7.6%	Proposed
California	9.9%	Proposed
Colorado	10%-12.8%	Final
Connecticut	11.2%-11.3%	Final
Delaware	16.4%-16.5%	Final
District of Columbia	9.9%	Final
Florida	~15.9%	Proposed
Georgia	20.7%	Final
Hawaii	11.1%-12.7%	Final
Idaho	13%	Proposed
Illinois	14.1%	Proposed
Indiana	17.1%-17.5%	Final
Iowa	6.7%	Proposed
Kansas	19.5%-24.2%	Proposed
Kentucky	18.7%	Proposed
Louisiana	18.1%	Final
Maine	14.8%	Final
Maryland	14.6%	Final
Massachusetts	10.4%-10.8%	Final
Michigan	14.2%	Proposed
Minnesota	11.9%	Proposed
Mississippi	21.1%-21.8%	Proposed
Missouri	12.4%-12.5%	Proposed
Montana	22.6%-23.3%	Final
Nebraska	13.3%-13.6%	Proposed
Nevada	17.2%-18.8%	Final
New Hampshire	17.7%-18.4%	Proposed
New Jersey	20.4%	Proposed
New Mexico	24.4%	Final
New York	6%	Final
North Carolina	~14.9%	Proposed
North Dakota	19.2%-19.6%	Proposed
Ohio	10.7%	Proposed
Oklahoma	20.2%-21.6%	Proposed
Oregon	21.6%	Final
Pennsylvania	16%	Final
Rhode Island	20.1%	Proposed
South Carolina	16.6%-17.2%	Proposed
South Dakota	10.1%-10.4%	Final
Tennessee	12.7%-15.9%	Proposed
Texas	13.1%	Proposed
Utah	6.7%-7.4%	Final
Vermont	3%	Final
Virginia	16.9%	Final
Washington	22.2%	Final
West Virginia	18.3%	Proposed
Wisconsin	21.1%	Proposed
Wyoming	11.3%	Proposed

Averages hide big differences by insurer

The statewide average is a blend, and it can mask wide swings between companies. Ohio’s filings range from a 1.5% decrease to a 24.1% increase depending on the insurer. Arizona’s range from 3.3% to 33.9%. New Jersey’s run from 15.4% to 35.7%. Your own increase depends more on which insurer and plan you’re in than which state you live in. If your current insurer is leaving the Marketplace, as Cigna is doing in all 11 of its states for 2027, you’ll end up in a different company’s plan, with its own pricing. See what to do if your insurance company leaves the Marketplace and how health insurance rates are determined.

Why most people won’t pay the full increase

In 2026, 87% of Marketplace enrollees got a premium tax credit, and the credit is designed to rise along with the benchmark plan’s price, so a chunk of any increase gets absorbed automatically for people between 100% and 400% of the poverty level. That offset is smaller than it was in 2021-2025, because the enhanced credit that also protected people above 400% of the poverty level has expired; anyone over that line pays the full increase out of pocket. See what a subsidy is in health insurance and how to lower your Marketplace premium for ways to bring your own number down, like comparing plans instead of auto-renewing or checking if a different metal level costs less after your credit.

See your own 2027 rate before you decide anything: compare quotes by ZIP code.

Frequently asked questions

What’s the average health insurance rate increase for 2027?

Around 15% nationally before subsidies, based on insurers’ rate filings across all 50 states and DC. Your own increase depends on your state, insurer and plan.

Which state has the biggest proposed increase for 2027?

Arizona’s filings average around 29%, though that figure is still proposed and could change before the state finalizes it.

Will my premium tax credit go up to cover the increase?

If your income is under 400% of the poverty level, yes, your credit adjusts as the benchmark plan’s price changes. Above that line, you get no premium tax credit and pay the full increase.

Are all these 2027 rates final?

No. Some states, like Georgia and Virginia, have already approved final rates. Others are still working through “Proposed” filings that could shift before final approval, typically in the fall before open enrollment.

This article is general information, not insurance or tax advice. Rate changes vary by insurer, plan and county, and some 2027 figures listed here were still proposed as of this writing. Last reviewed September 2026.