2027 Rate Increases by State

Insurers in all 23 states covered here have filed their 2027 prices for individual health plans. The average increase runs from 22.1% in South Carolina down to 6.0% in Arkansas. The middle of the 23 is 15.6% (Tennessee), and 12 of the 23 are above 15%. Nationally, KFF puts the median proposed increase at about 15%.

These are average changes in the full price, before any premium tax credit, taken from each state’s rate filings as compiled by ACASignups. Sixteen states are now final; the other 7 are still requested rates, which regulators can cut before Open Enrollment opens on November 1, 2026.

Who actually pays these increases

If you get a premium tax credit, the credit is tied to the second-lowest-cost Silver plan in your area. When that plan’s price goes up, your credit usually goes up with it, so the change you see can be far smaller than the headline. It can also be bigger: if your own plan rose faster than that benchmark plan, you pay the difference.

If your household income is above 400% of the federal poverty level, you get no credit in 2027, because the enhanced credits that removed that limit expired at the end of 2025. You pay the whole increase. On a plan that costs $700 a month today, a 20% rise is $140 a month, or $1,680 over the year.

If you’re self-employed, the credit is based on the net income you expect in 2027, not what you made this year. A good year and a slow year can land on opposite sides of that 400% line, so it’s worth working out before you pick a plan.

Why your own number can be different

A state average blends every insurer and every plan. Your renewal can come in well above or below it, for three reasons.

• Insurers file very different increases. In Alabama, the four insurers’ approved 2027 changes run from 11.4% to 33.8%.
• Your plan may not exist in 2027. If your insurer is leaving, the average tells you nothing about the plan you would be moved into. See insurers leaving the marketplace in 2027.
• You’re a year older. Premiums are age-rated, so most people pay a little more each year even if their plan’s filed rate doesn’t move. See the age curve by state.

Notes on specific states

• Kansas: 19.5% is the headline average in ACASignups’ summary, which also cites an increase of about 29% for enrollees without subsidies. Treat the Kansas figure as less certain than the others.
• Colorado: 10% is the Division of Insurance’s announced final average (September 22). ACASignups’ enrollment-weighted average of the approved filings is 12.8%.
• Arkansas: 6.0% is weighted by the two insurers whose enrollment is published. The simple average of all filings is 9.1%.
• Florida: 10.4% is the enrollment-weighted average of the approved filings the Office of Insurance Regulation published in October, about five points below the preliminary request.
• Maryland: 14.6% is the Maryland Insurance Administration’s approved average for unsubsidized individual plans (September 25).
• Final: Alabama, Colorado, Florida, Georgia, Illinois, Indiana, Maryland, Michigan, Nevada, Ohio, South Carolina, South Dakota, Tennessee, Utah, Virginia and Wisconsin. Indiana’s 17.5% is the Department of Insurance’s approved average (insurers asked for 19.7%). Nevada’s 17.0% is the Division of Insurance’s average for the 9 insurers on Nevada Health Link; the 3 insurers selling only off the exchange average 10.9%.

Sources: ACASignups.net 2027 rate change summaries for each state, reported between August 10 and October 23, 2026 (sixteen states final), and the Colorado, Indiana, Maryland and Nevada insurance regulators for those states’ final averages; national median from KFF. Weighted averages weight each insurer by its enrollment. These are average changes in full-price premiums, not a quote or an offer of coverage. Checked October 3, 2026. For where to enroll and the deadlines in each state, see Open Enrollment 2027 by state.

More state rankings

What You Pay Above the Subsidy Cliff, State by State · Health Insurance Comparison Chart by State · Health Insurance Rating Areas, State by State · Health Insurance Premiums by Age, State by State · Insurers Leaving the ACA Marketplace in 2027 · Cheapest States for Health Insurance 2026 — All 51 Jurisdictions · Cheapest States for Health Insurance (2026) · 7 States With No PPO Plans · Where One Insurer Controls the Market · The Age Curve, State by State · Where Your County Matters Most · Carrier Competition by State