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ACA Premiums Surge 15%, Millions Risk Losing Coverage

7/18/2025

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Summary

Insurers Propose Premium Hike

Insurers in the Affordable Care Act marketplace are proposing a median premium increase of 15% for 2026, the highest since 2018.
The expiration of enhanced premium tax credits and rising healthcare costs are key contributing factors.
Around 4 million individuals may lose coverage as many choose to opt out due to increased costs.
Florida, having the highest ACA enrollment, faces significant impacts, with premiums projected to rise by 90% for many users.

Summary

States Sue Administration

A coalition of states, including New Jersey, Maryland, and California, is suing the Trump Administration over a new ACA rule.
The rule may result in 1.8 million people losing health insurance and raise costs for millions more.
It excludes gender-affirming care as an essential benefit, affecting coverage for many individuals.
The lawsuit claims the rule violates the Administrative Procedure Act and aims to block its implementation before August 25.
These changes jeopardize recent enrollment gains and increase Medicaid costs and healthcare burdens for states.

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Insurers Propose Premium Hike

Insurers in the Affordable Care Act marketplace are proposing a median premium increase of 15% for 2026, the highest since 2018.
The expiration of enhanced premium tax credits and rising healthcare costs are key contributing factors.
Around 4 million individuals may lose coverage as many choose to opt out due to increased costs.
Florida, having the highest ACA enrollment, faces significant impacts, with premiums projected to rise by 90% for many users.

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