2027 Health Insurance Rate Increases by State: Every State's Average
How much is health insurance going up where you live? Below is the average 2027 individual-market rate change for all 50 states and the District of Columbia, compiled from insurer filings and state regulator approvals. The spread is enormous: Vermont enrollees face about 3%, while Arizona insurers have proposed 29%. We update this table as states finalize their rates.
Quick Answer: The National Picture
The median 2027 increase across 276 insurer filings is about 15%, the second straight year of double-digit hikes. Combined with 2026, unsubsidized premiums are up roughly 30 to 40% in two years. Subsidized enrollees are partly shielded because premium tax credits rise with benchmark prices, but the benchmark itself can change, so re-shop during Open Enrollment (November 1 to January 15; enroll by December 15 for January 1 coverage) instead of auto-renewing.
The 2027 Rate Table, State by State
Figures are the average individual (ACA) market rate change across carriers in each state, weighted by enrollment where available. "Finalized" means state regulators have approved the rates; "Proposed" figures can still change before Open Enrollment. Click any state for its full coverage guide, including carriers, Medicaid status, and enrollment deadlines.
| State | Avg. 2027 change | Status |
|---|---|---|
| Alabama | +25.0% | Finalized |
| Alaska | +22.9% | Proposed |
| Arizona | +29.0% | Proposed |
| Arkansas | +7.6% | Proposed |
| California | +9.9% | Proposed |
| Colorado | +10.0% | Finalized |
| Connecticut | +11.2% | Finalized |
| Delaware | +16.5% | Finalized |
| District of Columbia | +9.9% | Finalized |
| Florida | +15.9% | Proposed |
| Georgia | +20.7% | Finalized |
| Hawaii | +11.1% | Finalized |
| Idaho | +12.0% | Finalized |
| Illinois | +14.1% | Proposed |
| Indiana | +17.5% | Finalized |
| Iowa | +5.7% | Finalized |
| Kansas | +24.2% | Proposed |
| Kentucky | +18.7% | Finalized |
| Louisiana | +18.1% | Finalized |
| Maine | +14.8% | Finalized |
| Maryland | +14.6% | Finalized |
| Massachusetts | +10.8% | Finalized |
| Michigan | +14.5% | Finalized |
| Minnesota | +17.7% | Finalized |
| Mississippi | +21.8% | Proposed |
| Missouri | +12.5% | Proposed |
| Montana | +22.6% | Finalized |
| Nebraska | +13.3% | Proposed |
| Nevada | +18.8% | Finalized |
| New Hampshire | +18.4% | Proposed |
| New Jersey | +20.4% | Proposed |
| New Mexico | +24.4% | Finalized |
| New York | +6.0% | Finalized |
| North Carolina | +14.9% | Proposed |
| North Dakota | +17.1% | Finalized |
| Ohio | +10.7% | Proposed |
| Oklahoma | +20.2% | Proposed |
| Oregon | +21.6% | Finalized |
| Pennsylvania | +16.0% | Finalized |
| Rhode Island | +12.4% | Finalized |
| South Carolina | +16.6% | Proposed |
| South Dakota | +10.4% | Finalized |
| Tennessee | +12.7% | Proposed |
| Texas | +14.1% | Proposed |
| Utah | +6.7% | Finalized |
| Vermont | +3.0% | Finalized |
| Virginia | +15.8% | Finalized |
| Washington | +22.2% | Finalized |
| West Virginia | +18.3% | Proposed |
| Wisconsin | +21.1% | Proposed |
| Wyoming | +11.3% | Proposed |
Sources: insurer rate filings compiled by KFF and ACA Signups, plus state insurance department approvals. Snapshot as of October 13, 2026. State averages describe unsubsidized premium changes; what you actually pay depends on your plan, county, age, and subsidy.
The Highest and Lowest Increases
- Steepest: Arizona (+29% proposed), Alabama (+25% finalized), New Mexico (+24.4% finalized), Kansas (+24.2% proposed), Alaska (+22.9% proposed)
- Mildest: Vermont (+3% finalized), Iowa (+5.7% finalized), New York (+6% finalized), Utah (+6.7% finalized), Arkansas (+7.6% proposed)
- Watch the exits too: several high-increase states are also losing carriers. Arizona loses Cigna; Kansas, Oklahoma, and Iowa lose Medica; Montana, Oregon, Idaho, and Washington lose PacificSource.
Why Rates Are Rising This Much
Insurers point to the same drivers in nearly every state filing: hospital and physician costs rising around 10% a year, expensive GLP-1 medications, general inflation, and a risk pool that got sicker after the enhanced premium tax credits expired at the end of 2025 and millions of mostly healthy people dropped coverage. About a dozen carriers decided to leave markets entirely rather than reprice. For the full breakdown of the national drivers, see our guide to 2027 premium increases.
What a Big State Average Means for You
A state average is not your personal increase. If you get a premium tax credit, the subsidy rises with the benchmark Silver plan in your county, which can absorb most or all of the increase. If you earn too much for a subsidy or buy off-exchange, the full increase lands on you, and it is worth reading our guide on what to do before dropping coverage. Either way, the single most expensive mistake is auto-renewing without comparing: two years of uneven repricing means the cheapest carrier in your county has probably changed.
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Frequently Asked Questions
How much are health insurance premiums going up in 2027?
The national median increase across insurer filings is about 15% for the individual (ACA marketplace) market, on top of roughly 20% in 2026. Your state's average ranges from about 3% in Vermont to 29% proposed in Arizona, and your personal change depends on your insurer, county, plan, age, and subsidy.
What does proposed vs. finalized mean?
Insurers file proposed rates with state regulators during the summer. Regulators review them and approve final rates in the fall, sometimes lower than requested (Iowa's average dropped from 6.7% proposed to 5.7% finalized). A proposed figure in this table can still change until your state's insurance department signs off.
Why are premiums rising so much for 2027?
Insurers cite rising hospital and physician costs, prescription drug spending (especially GLP-1 medications), general inflation, and a sicker risk pool after the enhanced premium tax credits expired at the end of 2025 and healthier enrollees dropped coverage. A dozen insurers chose to exit markets instead of repricing.
Will my subsidy protect me from the increase?
Partly, and sometimes fully. Premium tax credits are tied to the price of the benchmark Silver plan in your area, so when premiums rise, subsidies rise too. Subsidized enrollees often feel much less of the increase, but the benchmark plan itself can change, which is why re-shopping during Open Enrollment matters. Unsubsidized and off-exchange buyers pay the full increase.
When will my state's 2027 rates be final?
Most states finalize between late August and early November, before Open Enrollment starts November 1, 2026. About half the states had finalized as of mid-October. Final prices for plans in your ZIP code appear on HealthCare.gov or your state exchange when Open Enrollment opens.
What can I do about a big increase in my state?
Do not auto-renew. Re-check your subsidy (benchmark changes can raise or lower it even if your income is the same), compare every carrier in your county, and consider a different metal tier. Enroll by December 15, 2026 for coverage that starts January 1, 2027.
About This Tracker
Health Insurance Network compiles these figures from public insurer rate filings and state insurance department announcements, primarily via KFF and ACA Signups rate tracking. We update the table as states move from proposed to finalized rates through Open Enrollment. Last updated October 13, 2026.
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