2027 Rate Increases by State

Insurers in all 23 states I’m licensed in have filed their 2027 prices for individual health plans. The average increase runs from 21.6% in Oklahoma down to 6.0% in Arkansas. The middle of the 23 is 15.3% (Florida), 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. Most 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: the state’s Division of Insurance announced an average of about 11%. The 13.4% shown is ACASignups’ enrollment-weighted average of the individual filings.
• Arkansas: 6.0% is weighted by the two insurers whose enrollment is published. The simple average of all filings is 9.1%.
• Florida: 15.3% is a preliminary, unweighted average.
• Maryland: the state sets final rates in September, so this figure may still change.
• Alabama and Indiana: these figures are final.

Sources: ACASignups.net 2027 rate change summaries for each state, reported between June 11 and August 28, 2026 (Alabama and Indiana final); 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 September 14, 2026. For where to enroll and the deadlines in each state, see Open Enrollment 2027 by state.