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How much will my ACA health insurance premium go up in 2027 in my state?

The 2027 rate story has moved from proposals to approved, state-final numbers — and nine states now have them. Verified against Becker's Payer Issues (updated September 15) and state regulators' own releases, the approved average individual-market increases are: New Mexico 24.4%, Washington 22.2%, Oregon 21.6%, Delaware 13.9%–17.2% depending on carrier, Maine 14.8%, Connecticut 11.3%, Massachusetts 10.8% (weighted average base rate), New York 6%, and Vermont just 2.2%–3.9%. The spread tells you the real story: what you will pay depends less on national averages than on what your state's insurance regulator did with insurers' requests. New York's Department of Financial Services slashed a 20.6% request down to 6% for roughly 860,000 people; Connecticut cut 16.2% to 11.3%; Vermont cut its carriers' requests roughly in half — while Washington approved essentially what was asked, and Oregon's approved 21.6% actually came in above the 17.5% insurers requested. Even the state with the steepest approved hike stands behind the math: verified verbatim from New Mexico's September 1 announcement, Superintendent of Insurance Alice Kane said, "Despite the rate increase, I can assure you that the rates for all the insurance companies are actuarially sound, non-discriminatory, and transparent." Both sides of the ledger are real: insurers point to medical and drug cost inflation plus a smaller, sicker risk pool after enhanced federal subsidies expired; consumer advocates note these sticker increases land hardest on the unsubsidized, and that regulators in several states found the requests padded. One more caveat before you panic at any headline number: these are averages for a state's whole individual market — your own 2027 renewal depends on your plan, your county, your age, and, above all, whether subsidies shield you from the sticker price. The remaining states will finalize before open enrollment begins November 1. As Alice Kane, State insurance regulator — approves all individual-market health insurance rates in New Mexico, put it on the record before the New Mexico OSI press release announcing approved 2027 ACA plan rates (2026-09-01): “Despite the rate increase, I can assure you that the rates for all the insurance companies are actuarially sound, non-discriminatory, and transparent.” For help choosing or enrolling in a plan, call United Enrollment Services, a licensed insurance agency, at 1-866-401-4116.

Last updated Sep 22, 2026
Reviewed by Heather Fabrizio, Licensed Insurance Agent (NPN 20983651) · reviewed Jul 25, 2026
Published by ACA Direct Answers · Licensed under Citation License 1.0

Source citation and speaker credentials

Editor's note: All nine states'' approved figures (CT 11.3% vs 16.2% requested; WA 22.2% vs 22.4%; NY 6% vs 20.6%, ~860,000 enrollees; DE Highmark 17.2% / AmeriHealth Caritas 13.94%; NM 24.4%; OR 21.6% vs 17.5% requested — approved above request; VT BCBS 2.2% / MVP 3.9%, 67,000+ residents; ME 14.8% vs 16.8%; MA 10.8% weighted average base rate) verified this session against Becker''s Payer Issues (updated Sept. 15, 2026). Alice Kane quote, the 24.4% figure, HCAF continuation, and the 92%-of-BeWell-enrollees-subsidized statistic verified verbatim this session from the NM OSI release (Sept. 1, 2026), which also states the nationwide median approved-or-proposed increase is about 15%. Cigna''s 11-state exit is from prior reporting covered on our sister page. This page is the promised follow-up to our proposed-rates answer (why-is-my-aca-premium-going-up-2027) and will be refreshed as the remaining states finalize before Nov. 1 open enrollment.

Who said this

Alice Kane · State insurance regulator — approves all individual-market health insurance rates in New Mexico

What it means

  • An approved rate is not your personal renewal: state averages blend every carrier, county, metal tier, and age band. Your actual 2027 price arrives in your renewal notice and on your marketplace when window shopping opens in late October.
  • If you get a premium tax credit, the sticker increase mostly is not your increase: subsidies are pegged to the benchmark silver plan, so when benchmark premiums rise, subsidies rise with them. The full force of these hikes falls on unsubsidized enrollees and on anyone who lost subsidy eligibility when the enhanced credits expired.
  • Regulator review is working very differently state to state — New York cut a 20.6% ask to 6%, Vermont roughly halved its carriers' requests, while Washington approved nearly as filed and Oregon approved more than insurers requested. Where you live now materially changes what you pay.
  • New Mexico's 24.4% — the steepest approved so far — comes with a cushion: the state's Health Care Affordability Fund continues premium and cost-sharing help in 2027, and its regulator says 92% of BeWell marketplace enrollees qualify for state or federal subsidies.
  • These increases stack on top of 2026's steep climb and arrive alongside insurer exits (Cigna leaving all 11 of its marketplace states, among others) — so the plan you have may not exist in 2027, and the one that replaces it may be priced very differently.

Action steps

  1. Find your state's approved 2027 rates at your state insurance department's website or your state marketplace — searching your state name plus approved 2027 health insurance rates usually surfaces the regulator's own announcement, the most reliable number available.
  2. Watch your mail and inbox for your renewal notice this fall — it must tell you your actual 2027 premium and whether your plan is continuing, and it beats any statewide average.
  3. When window shopping opens in late October, run your real income through your marketplace's calculator before reacting to sticker prices — your subsidy may absorb most or all of the increase.
  4. Do not auto-renew: in a year of double-digit increases and carrier exits, the plan that was cheapest for you in 2026 frequently is not in 2027. Compare at least the benchmark silver plan and one alternative carrier.
  5. If you are unsubsidized, get a quote for every metal tier — steep silver-plan increases sometimes make bronze or gold plans the better buy — and check whether your state offers its own premium help, as New Mexico does.

Risks & deadlines

  • Open enrollment for 2027 coverage begins November 1, 2026. Enroll by December 15 for January 1 coverage in HealthCare.gov states; state-run exchanges set their own calendars.
  • These nine states are the early finishers — most states' 2027 rates were still under review as of mid-September, so if yours is not listed, expect final numbers in the coming weeks, before November 1.
  • Approved statewide averages can move slightly between regulator announcement and marketplace display as plans finalize; treat your official renewal notice and the marketplace's own quote as definitive.
  • If your insurer is leaving the marketplace, you have specific protections and choices — do not let auto-assignment pick your replacement plan without checking its network and drug coverage.

Also asked as

  • What are the approved 2027 Obamacare rate increases in my state?
  • Did my state approve the health insurance rate hikes for 2027?
  • How much did New York cut the 2027 ACA rate increase?
  • Which states have finalized 2027 marketplace premiums?
  • Are 2027 ACA premium increases final yet?

Sources

Last verified: 2026-09-22

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