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# Obamacare premiums set to jump another 14 percent
- URL: https://www.consumernews.ai/obamacare-premiums-set-to-jump-another-14-percent/
- Published: 2026-07-09T18:02:26.000Z
- Updated: 2026-07-09T18:02:26.000Z
- Description: Healthier clients dropping Obamacare, leading to more rate hikes as remaining clients are sicker.
- Author: James R. Hood
- Tags: Insurance

## 

Middle-income Americans who buy their health coverage on the Affordable Care Act marketplaces face a second straight year of double-digit premium hikes. Insurers have proposed a median 14 percent premium increase for 2027, the second-highest jump since 2018, according to a Wednesday analysis by health policy nonprofit KFF cited by [The Associated Press](https://apnews.com/article/affordable-care-act-obamacare-health-insurance-premiums-a2b6e95cea6555f12b992346245e2a2c?ref=consumernews.ai). 

KFF analyzed filings from 77 insurers across 16 states and Washington, D.C.

The immediate driver is a sicker risk pool as healthier enrollees drop coverage. Insurers expect that mix shift alone to push premiums up 4 percent next year, [Reuters reported](https://www.reuters.com/legal/litigation/obamacare-insurers-ask-second-highest-premiums-increase-nearly-decade-2026-07-08/?ref=consumernews.ai). The rest reflects rising medical costs and expiring pandemic-era subsidies. Without those enhanced tax credits, premiums already rose 58 percent in 2026 and deductibles climbed roughly $1,000 per person, per the [Reuters account](https://www.reuters.com/legal/litigation/obamacare-insurers-ask-second-highest-premiums-increase-nearly-decade-2026-07-08/?ref=consumernews.ai). Blue Cross and Blue Shield of Illinois is seeking a 15 percent increase for 2027 on top of a 28 percent hike this year, [The Wall Street Journal reported](https://www.wsj.com/health/healthcare/obamacare-insurers-seek-big-rate-hikes-again-8a4bf9e4?ref=consumernews.ai).

The pattern is geographically uneven. Average proposed rates in New York, Rhode Island and Washington are up more than 20 percent, [Bloomberg reported](https://www.bloomberg.com/opinion/articles/2026-07-02/falling-aca-health-coverage-is-a-predictable-disaster?ref=consumernews.ai). Between 2025 and 2027, premiums are on track to increase by more than 33 percent, [Reuters said](https://www.reuters.com/legal/litigation/obamacare-insurers-ask-second-highest-premiums-increase-nearly-decade-2026-07-08/?ref=consumernews.ai). 

Insurers must submit final proposals to regulators by July 15; state regulators will approve or revise rates before open enrollment begins Nov. 1\. Millions have already dropped coverage over the past year, and [NBC News](https://www.nbcnews.com/health/health-news/aca-premiums-likely-set-another-double-digit-rise-year-rcna353306?ref=consumernews.ai) said advocacy groups warn another round of hikes will accelerate that trend, feeding a cycle of higher rates for those who stay.