2027 Health Insurance Rate Increases by State
Insurers have filed their 2027 rates, and for a second straight year most states are seeing double-digit increases in the individual market. Nationally, requested increases average about 15 percent. Below is every state I am licensed in, with the average change for individual Marketplace plans and, where reported, small-group plans.
Two federal changes apply everywhere. The out-of-pocket maximum for 2027 rises to $12,000 for one person and $24,000 for a family, up from $10,600 and $21,200, about 13 percent. And the premium tax credit still stops at 400 percent of the poverty level, $63,840 for one person or $132,000 for a family of four, so households above that line pay the full increase. The subsidy cliff guide and the premium increase guide explain what to do.
| State | Individual market | Small group | Status |
|---|---|---|---|
| Alabama | 20.7% to 25% | 12.5% | Final |
| Montana | 22.6% to 23.3% | 18% | Final |
| South Carolina | 22.1% | 8.9% | Final |
| Wisconsin | 21.7% | 13.3% | Final |
| Oklahoma | 21.4% to 21.6% | 16.2% | Final |
| Georgia | 20.7% | — | Final |
| Mississippi | 20.2% | 10% | Final |
| Kansas | 19.5% | 12.4% | Final |
| Nevada | 17.2% to 18.8% | 12.3% | Final |
| Kentucky | 18.7% | 10.7% | Final |
| Louisiana | 18.1% | 11.9% | Final |
| Indiana | 17.1% to 17.5% | 14.5% | Final |
| Virginia | 15.8% to 16.9% | 10.7% | Final |
| Delaware | 16.4% to 16.5% | 18% | Final |
| Ohio | 16.3% | 22% | Final |
| Tennessee | 12.7% to 15.6% | 14.7% | Final |
| West Virginia | 14.9% | 15.8% | Final |
| Maryland | 14.6% | 10.2% | Final |
| Michigan | 14.5% | 10% | Final |
| Illinois | 14% to 14.1% | 17.6% | Final |
| Texas | 13.1% to 14.1% | 16.9% | Final |
| North Carolina | 14% | 19.3% | Final |
| Nebraska | 13.8% | 14.1% | Final |
| Colorado | 10% to 12.8% | 14% | Final |
| Missouri | 12.3% | 16.5% | Final |
| Wyoming | 11.2% to 11.3% | 10% | Final |
| Florida | 10.4% | 11.4% | Final |
| South Dakota | 10.1% to 10.4% | 8.3% | Final |
| Arkansas | 7.6% | 8.9% | Final |
| Utah | 6.7% to 7.4% | 10.4% | Final |
| Iowa | 5.7% | — | Final |
Sources: healthinsurance.org, ACASignups.net state rate-filing posts and state insurance department approvals, rechecked November 11, 2026. Ranges appear where the trackers differ. Averages are across insurers; your renewal depends on your plan, county and age. En español.
Want your actual 2027 number?
I compare Marketplace and private plans for your zip code and household. No fee.