BREAKING NEWS: Your Health Insurance Premiums Are Going Up Again — And Here’s What You Can Do About It

BREAKING NEWS: Your Health Insurance Could Go Up Again in 2027. Here’s What You Can Do About It.

Another year. Another health insurance increase.

According to KFF’s latest analysis, ACA Marketplace insurers across the country are proposing a median premium increase of approximately 15% for 2027.

Yes. Another 15%.

But don’t worry…

Your deductible can still be enormous. 😂

Your prescriptions can still require a scavenger hunt.

Your favorite doctor could still leave your network.

And you may still receive a 37-page Explanation of Benefits explaining why the thing you thought was covered somehow wasn’t.

But look on the bright side…

You may get the privilege of paying even more for the experience. 😂

All joking aside, health insurance costs are becoming a serious issue for American families, self-employed workers, independent contractors and small-business owners.

And 15% is only the national median proposed increase among insurers.

In several states, the average proposed increase is over 20%.

What Are Health Insurance Rates Doing in Your State?

Here are the currently reported average proposed 2027 individual-market rate increases by state. Several states have already finalized their rates, while most remain proposed and could change before 2027.

2027 Health Insurance Premium Increases by State

Alabama — 20.2%

Alaska — 22.9%

Arizona — 29.0%

Arkansas — 7.6%

California — 9.9%

Colorado — 11.0%

Connecticut — 11.2%

Delaware — 16.9%

Florida — 15.9%

Georgia — 20.7%

Hawaii — 11.1%

Idaho — 13.0%

Illinois — 14.1%

Indiana — 17.5%

Iowa — 6.7%

Kansas — 24.2%

Kentucky — 18.7%

Louisiana — 17.3%

Maine — 14.8%

Maryland — 13.7%

Massachusetts — 10.8%

Michigan — 14.2%

Minnesota — 11.9%

Mississippi — 21.8%

Missouri — 12.5%

Montana — 23.4%

Nebraska — 13.3%

Nevada — 18.6%

New Hampshire — 18.4%

New Jersey — 20.4%

New Mexico — 24.4%

New York — 6.0%

North Carolina — 14.9%

North Dakota — 19.2%

Ohio — 10.7%

Oklahoma — 20.2%

Oregon — 21.6%

Pennsylvania — 17.1%

Rhode Island — 20.1%

South Carolina — 16.6%

South Dakota — 10.9%

Tennessee — 12.7%

Texas — 13.1%

Utah — 6.8%

Vermont — 3.0%

Virginia — 19.0%

Washington — 22.4%

West Virginia — 18.3%

Wisconsin — 21.1%

Wyoming — 11.3%

And this isn’t simply speculation about healthcare costs. KFF says insurers are citing higher healthcare prices, prescription-drug costs, utilization, inflation and changes in the individual-market risk pool among the factors driving their 2027 requests.

Here in Oregon, for example, regulators have already finalized an average 21.6% increase in the individual market for 2027.

But Here’s the Part Most People Aren’t Being Told

You don’t necessarily have to keep doing the same thing.

For some people, an ACA Marketplace plan will absolutely remain the right answer — particularly when premium subsidies make the coverage affordable or when someone’s medical situation makes ACA coverage the best fit.

But that’s not everybody.

Depending on your state, age, health, household, budget and coverage needs, you may have other options worth comparing, including certain private health insurance plans.

And that’s where working with the right independent broker becomes important.

Instead of asking:

“Which health insurance plan should I buy?”

We believe the better question is:

“What combination of protection actually makes sense for me?”

At Exodus Benefits, we call this building a Package of Protection.

Stop Buying a Plan. Start Building Protection.

Traditional health insurance is only one piece of the puzzle.

Depending on the individual, a Package of Protection might combine the right core health coverage with additional protection designed around the financial risks that matter most to that person.

That could include things such as:

Private health insurance • Nationwide PPO options • Dental & vision • Accident coverage • Hospital indemnity • Critical illness/cancer protection • Out-of-pocket protection • Life insurance with living benefits

The point isn’t to pile a bunch of products onto somebody.

The point is to solve the problem.

If you’re paying a fortune every month for health insurance but still exposed to thousands of dollars when something happens, it’s worth asking whether your coverage could be structured differently.

Why an Independent Broker Matters More Going Into 2027

A broker shouldn’t simply hand you whatever plan happens to be sitting in front of them.

A good independent broker should be able to look across multiple options and ask:

What do you actually need? What are you paying now? What risks are you trying to protect against? Are your doctors important? What prescriptions do you take? Do you qualify for private coverage? Would the ACA Marketplace be better? And can we build better overall protection for the money you’re already spending?

Sometimes the answer will be an ACA plan.

Sometimes it may be private health insurance.

Sometimes the strongest solution may involve several complementary products working together.

The right answer depends on the person.

That’s the difference between selling somebody a health plan and actually helping them solve their healthcare problem.

Before You Automatically Renew for 2027…

Compare.

Ask questions.

Look at more than the monthly premium.

Look at the network. Look at the deductible. Look at prescriptions. Look at maximum exposure. Look at what happens when you’re hospitalized. And look at what your family could actually afford if something serious happened.

Most importantly:

Find a broker who has access to more than one solution.

At Exodus Benefits, that’s exactly what we do.

We’re an independent brokerage helping individuals, families, self-employed workers, 1099 contractors and business owners compare health and protection options.

ACA isn’t always bad. Private insurance isn’t always better.

But automatically accepting another increase without finding out what else you qualify for?

That doesn’t make much sense either.

Would you benefit from a Package of Protection?

There’s only one way to find out.

Let Exodus Benefits compare the options and build a solution around YOU — not around an insurance company’s favorite product.