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Obamacare costs are climbing fast. Average premiums on ACA marketplace plans are expected to rise 13% in 2027, driven by rising healthcare costs, expiring subsidies, and new eligibility restrictions. Experts warn that millions of Americans — especially those without subsidies — could lose or drop coverage as the open enrollment window opens.
The 2027 ACA open enrollment period kicked off November 1, and the outlook isn't rosy. Average premiums on marketplace plans are projected to rise 13%, according to KFF's analysis of new CMS data — a jump driven by rising healthcare costs, hospital market consolidation, and factors like the No Surprises Act and the growing use of GLP-1 drugs. Those without subsidies will feel the pinch most, with many already shifting to cheaper bronze plans just to stay covered.
The policy landscape is shifting dramatically, too. Enhanced COVID-era subsidies that kept millions insured during the Biden administration have expired, and new rules restrict tax credits for certain lawfully present immigrants. Meanwhile, the Trump administration has moved to remove 760,000 enrollees it alleges were fraudulently signed up, claiming $2.2 billion in savings.
By the Numbers:
Why it matters: With premiums rising, subsidies shrinking, and eligibility tightening, healthcare experts expect enrollment to fall further in 2027 — making it harder for clinicians and public health officials to ensure patients maintain continuous coverage.
