Quick answer
Insurers filed for 2027 Marketplace rate increases averaging around 15% nationally before subsidies, after benchmark premiums rose 26% on average in 2026. State averages range from about 3% in Vermont to roughly 28% in Arizona, and vary even more by individual insurer within a state. Most enrollees get a premium tax credit that absorbs part of the increase, but the credit’s reach is smaller than it was before the enhanced credits expired, and nobody above 400% of the poverty level gets a subsidy at all in 2027.
Key takeaways
- Insurers’ 2027 rate filings average about 15% higher nationally before subsidies, and most states have now approved final rates.
- State averages range from about 3% in Vermont to roughly 28% in Arizona, and 14 states hadn’t published final numbers as of late October 2026.
- Insurers say the expiration of the enhanced premium tax credit is adding roughly 4 percentage points to the average increase, as healthier people leave the risk pool.
- Medical costs and GLP-1 weight-loss drugs are also driving increases; one insurer reported GLP-1 spending rising $28.30 a month per member from 2025 to 2027.
- A state’s average can hide a lot: individual insurers within the same state sometimes differ by 20 percentage points or more.
On this page
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 2027 rate changes for the individual market in each state. Most are final; where a state hadn’t published final figures by late October 2026, the table shows the proposed average. 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 | 27.9% | Final |
| 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 | 10.4% | Final |
| Georgia | 20.7% | Final |
| Hawaii | 12.7% | Final |
| Idaho | 11.6%-12% | Final |
| Illinois | 14.1% | Final |
| Indiana | 17.1%-17.5% | Final |
| Iowa | 5.7% | Final |
| Kansas | 19.5%-24.2% | Proposed |
| Kentucky | 18.7% | Proposed |
| Louisiana | 18.1% | Final |
| Maine | 14.8% | Final |
| Maryland | 14.6% | Final |
| Massachusetts | 10.6%-10.8% | Final |
| Michigan | 14.5% | Final |
| Minnesota | 17.7% | Final |
| 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 | 17.0%-18.8% | Final |
| New Hampshire | 17.7%-18.4% | Proposed |
| New Jersey | 19.8% | Final |
| New Mexico | 24.4% | Final |
| New York | 6% | Final |
| North Carolina | ~14%-14.9% | Pending |
| North Dakota | 17.1%-17.5% | Final |
| Ohio | 16.3% | Final |
| Oklahoma | 20.2%-21.6% | Proposed |
| Oregon | 21.6% | Final |
| Pennsylvania | 16% | Final |
| Rhode Island | 12.4% | Final |
| South Carolina | 22.1% | Final |
| South Dakota | 10.1%-10.4% | Final |
| Tennessee | 15.6% | Final |
| Texas | 13.1%-14.1% | Proposed |
| Utah | 6.7%-7.4% | Final |
| Vermont | 3% | Final |
| Virginia | 15.8%-16.9% | Final |
| Washington | 22.2% | Final |
| West Virginia | 18.3% | Proposed |
| Wisconsin | 21.7% | Final |
| 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 final rates run from 15.3% 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 increase for 2027?
Arizona, where final rates rise about 27.9% on average, according to ACA Signups. New Mexico (24.4%) and Montana (22.6% to 23.3%) come next among states with final rates.
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?
Not all of them. By late October 2026, 36 states and DC had final rates. The rest hadn’t published final figures yet, so the table shows their proposed averages.
Sources
- healthinsurance.org: Health insurance premium increases for 2027 – proposed rates by state
- ACA Signups: 2027 national rate change tracker
- ACA Signups: Georgia 2027 rate filings
- ACA Signups: Virginia 2027 rate filings
- Peterson-KFF: How much and why ACA Marketplace premiums are going up in 2027
- KFF: Tracking insurer participation changes in the ACA Marketplaces in 2027
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 October 2026.