How much and why ACA Marketplace premiums are going up in 2025

For 2025, across 324 insurers participating in the 50 states and DC, this analysis shows a median proposed premium increase of 7%, which is similar to last year. Based on a more detailed analysis of publicly available documents from insurers in 10 states and DC, growth in health care prices stood out as a key factor driving costs in 2024. In addition to inflation, some insurers also mention increased utilization of weight loss and other specialty drugs as influencing premiums. Pandemic-related costs and the unwinding of Medicaid continuous coverage are having little, if any, impact on individual market premiums for 2025. ARTICLE