In most U.S. states, health insurers typically send notices of premium changes for Affordable Care Act marketplace plans on or before November 1 ahead of the upcoming plan year.
November 01, 2025
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procedural
Insurer notices inform enrollees and potential enrollees of upcoming premium and plan changes before open enrollment begins.
A 2025 analysis by KFF found that insurers were proposing to raise monthly premiums for Affordable Care Act marketplace coverage by an average of 26% across the United States.
October 30, 2025
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temporal
KFF published an analysis of proposed insurer rate changes for upcoming ACA marketplace plan years.
The insurer trade group AHIP identifies higher medical costs and rising prescription drug prices as drivers of higher health insurance premiums.
October 30, 2025
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temporal
Insurer groups commonly cite underlying medical spending trends as a primary factor influencing premium increases.
For Affordable Care Act marketplaces, health insurers typically finalize premiums in October and open enrollment typically begins on November 1.
October 07, 2025
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temporal
Regular timing of insurer rate finalization and the start of ACA marketplace open enrollment.
Health insurers set premium rates in advance of a coverage year, so anticipated changes in subsidies or policy can influence premium pricing before the affected coverage year begins.
October 05, 2025
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temporal
Describes how premium-setting timelines can cause future policy changes to affect premiums prior to the start of a coverage year.