Health insurance bills set to climb across ACA, employer plans and Medicare in 2027

Across ACA marketplace plans, employer-based coverage and Medicare, premiums are set to rise in 2027 due to higher medical costs and the end of pandemic subsidies. ACA premiums are expected to grow about 15% (after 2026’s 20%), with bronze plans adding roughly $80 per month for many; the expiration of subsidies has reduced enrollment and relief from White House rebates is uncertain. Employers will likely shift more costs to workers, while Medicare Part D premiums could rise about 6% as temporary offsets end, though the $2,400 drug-cost cap remains.