2027 Rate Changes

Originally posted 07/21/2026

Before I begin, it's important to note that ACA exchange enrollment has dropped in California since Congressional Republicans allowed the enhanced federal subsidies to expire at the end of last year...although thanks to the state providing its own supplemental financial subsidies to partially cancel out the lost federal subsidies, it's not nearly as dramatic a drop-off as in most other states.

Effectuated enrollment was down 9.5% year over year as of March, and has almost certainly continued to drop further since then based on the trend line (see below). That's at least 187,000 fewer Californians enrolled in ACA healthcare coverage this year.

Originally posted 08/03/2026

ACA exchange enrollment has dropped significantly in Alaska since Congressional Republicans allowed the enhanced federal subsidies to expire at the end of last year.

Initial signups during Open Enrollment were already down 9.2% vs. OEP 2025...but effectuated enrollment as of January 2026 was down over 12% year over year...increasing to a 13% drop as of February.

The good news, such as it is, is that due to Alaska having such a small ACA population to begin with, this only amounts to around 3,400 people losing coverage...which is small comfort if you're one of those 3,400 people, of course:

Originally posted 07/30/2026

Before I begin, it's important to note that ACA exchange enrollment has dropped significantly in Kentucky since Congressional Republicans allowed the enhanced federal subsidies to expire at the end of last year.

Initial signups during Open Enrollment were down 8.6% vs. OEP 2025...but effectuated enrollment was down nealry 11% in January and over 14% as of February; on average nearly 11,000 Kentuckians lost ACA healthcare coverage in the first two months of 2026:

Here's what this looks like visually, with both 2025 and 2019 (the last pre-COVID year, which didn't include the enhanced subsidies) included for comparison:

Originally posted 08/10/2026

ACA exchange enrollment has dropped by nearly 30% in Arizona since Congressional Republicans allowed the enhanced federal subsidies to expire at the end of last year.

Initial signups during Open Enrollment were already down 15.6% vs. OEP 2025...and effectuated enrollment was 23% lower year over year in January, rising to nearly 30% by February.

That's over 107,000 Arizonans who already lost coverage in just the first two months of the year...a number which has likely continued to climb since then.

Here's what this looks like visually, with both 2025 and 2019 (the last pre-COVID year, which didn't include the enhanced subsidies) included for comparison:

Originally posted 8/28/26

ACA exchange enrollment has dropped by more than 10% in Florida since Congressional Republicans allowed the enhanced federal subsidies to expire at the end of last year.

Initial signups during Open Enrollment were only down 4% vs. OEP 2025...but effectuated enrollment was 7.7% lower year over year in January, rising to 10.3% lower as of February.

That's over 440,000 Floridians who already lost healthcare coverage in just the first two months of the year...a number which has likely continued to climb since then.

When I last updated my "coverage loss" estimate a couple of weeks back, I noted that while I have hard effectuated enrollment data for Medicare and Medicaid as well as the CHIP and BHP programs, my estimates for ACA exchange enrollment have to rely on rough projections because:

...I could eliminate (or at least vastly narrow) the upper/lower bound estimates if CMS would actually update the actual Health Insurance Exchanges Monthly Effectuated Enrollment database, which is supposed to be updated monthly but which has been stuck at February 2026 for the past four months...

Originally posted 08/20/2026

ACA exchange enrollment has dropped by nearly 30% in South Carolina since Congressional Republicans allowed the enhanced federal subsidies to expire at the end of last year.

Initial signups during Open Enrollment were only down 7% vs. OEP 2025...but effectuated enrollment plummeted by 14% in January and a whopping 29.1% as of February vs. a year earlier.

That's nearly 160,000 South Carolina residents who lost coverage in just the first two months of the year...a number which has likely continued to climb since then.

Originally posted 06/11/2026

via the Illinois Dept. of Insurance:

Affordable Care Act (ACA) - Illinois Rate Filings

The chart below contains proposed rates for Plan Year 2027, which will be reviewed for compliance with federal and state requirements. Please submit any comments to DOI.HealthRateReview@illinois.gov by Friday, July 10, 2026.

2026 Illinois On- and Off-Exchange Plan Analyses can be found here.

The Health Rate Review Consumer Guide can be found here.

How are rates developed?

Each year, health insurance companies determine future premiums based on a number of past factors.

Originally posted 08/13/2026

ACA exchange enrollment has dropped by 11.4% in New Jersey since Congressional Republicans allowed the enhanced federal subsidies to expire at the end of last year...despite NJ offering state-based subsidies to help mitigate the lost federal assistance.

Initial signups during Open Enrollment were only down 0.8% vs. OEP 2025...but effectuated enrollment was 4.4% lower year over year in January, gradually rising to 11.4% lower as of April, according to Get Covered NJ, the state ACA exchange.

That's over 56,000 Kansans who already lost coverage in just the first four months of the year...a number which has likely continued to climb since then.

Originally posted 08/27/2026

ACA exchange enrollment has dropped by 32% in Ohio since Congressional Republicans allowed the enhanced federal subsidies to expire at the end of last year.

Initial signups during Open Enrollment were down nearly 20% vs. OEP 2025...but effectuated enrollment dropped further, by 23% year over year in January and by over 32% in February.

That's over 160,000 Ohioans who already lost coverage in just the first two months of the year...a number which has likely continued to climb since then.

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