Robert Adams 10/6/25 Robert Adams 10/6/25

2026 Premium Explosion: What to Expect & How to Protect Your Wallet | RKA

ACA premiums are projected to spike in 2026 — the steepest rise in years. Here’s what’s driving the increase and how to protect your wallet before Open Enrollment.

Fast take: ACA health insurance premiums are projected to jump significantly in 2026 — the steepest rise in years. Inflation, drug costs, and subsidy uncertainty are all pushing rates higher. Here’s what it means for you — and how to prepare now.

Why premiums are spiking

Medical inflation: Higher hospital and provider costs are baked into 2026 premiums.
Prescription drugs: Specialty medications like GLP-1s are a major cost driver.
Policy changes: Enhanced subsidies may expire, raising net costs for millions.

How much higher?

Experts estimate average increases of 10–18% nationwide — with some states seeing much more. That means a plan costing $1,200/month today could jump by $150–200. For unsubsidized families, the hit could be thousands annually.

Smart moves before 2026

Compare Marketplace vs PPO: Don’t assume Healthcare.gov is always cheaper. Private PPOs may win if you don’t qualify for subsidies.
Check your eligibility: Income-based savings may still apply — know your bracket.
Time your enrollment: Lock in your plan during Open Enrollment this fall before further adjustments hit.

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Robert Adams | RKA Insurance Advisors

Quick FAQs

Why are ACA premiums going up in 2026?

Medical inflation, rising drug prices, and subsidy uncertainty are driving rates higher than in prior years.

How much more will I pay?

Average increases are expected to be 10–18%, with unsubsidized households seeing the steepest jumps.

Can private PPOs be cheaper than Marketplace?

Yes. If you don’t qualify for subsidies, PPO options may offer better value, especially with nationwide networks.

When should I enroll?

During Open Enrollment 2026. Lock in your coverage early before mid-season adjustments hit.

How do I protect my wallet?

Compare all your options now, confirm your doctors are covered, and work with a licensed advisor.

Bottom line

2026 premiums will be some of the highest on record. The best protection is preparation — comparing options, confirming your doctors, and working with a licensed advisor. Don’t wait until the last minute to make changes that could save you thousands.