ACA health insurance premiums are expected to increase in 2026, but not by as much as 75%; proposed increases in Pennsylvania average around 19%, with no evidence supporting a 75% hike nationwide.
Misleading
ACA health insurance will cost 75% more next year.
Pennie health insurance premiums could soar in 2026. How much more you might pay
Source: goerie.com
At a glance
Verified August 4, 2025Key Evidence
Pennsylvania insurers have requested an average premium increase of about 19% for ACA plans in 2026.
goerie.comgoerie.comPennie health insurance premiums could soar in 2026. How much more you might pay
pennwatch.orgpennwatch.org2026 Health Insurance Plans Include Proposed Rate Hikes
There is no mention of any insurer proposing or regulators approving a 75% increase.
The potential loss of subsidies could affect coverage but does not equate to a direct premium increase of that magnitude.
The reporting
What the Evidence Shows
Recent reports on ACA health insurance premiums for the 2026 plan year indicate that insurers, particularly in Pennsylvania, are requesting rate increases averaging about 19% for individual market plans. This is a significant rise compared to previous years but far below the claimed 75% increase. The sources reviewed do not provide any indication that ACA premiums will rise by 75% next year either nationally or in Pennsylvania.
Instead, the increases are more moderate and reflect insurer requests subject to regulatory approval. Additionally, factors such as the potential expiration of enhanced premium tax credits could impact affordability and coverage retention but do not directly translate into a 75% premium hike.
Therefore, the claim that ACA health insurance will cost 75% more next year is misleading given current data and projections.
Primary trail
Verified Sources4
Open source