Did Your Health Insurance Go Up? 2027 Premium Increase Calculator
Put in your current premium and the number on your renewal letter. See how big the jump is and whether you are paying more than you should at your income.
Estimates only, for 2027 coverage. Benchmark prices are a national average by age; your ZIP code changes them. Uses 2026 HHS poverty guidelines and the IRS 2027 contribution scale. Not tax advice.
Why your 2027 renewal went up
Insurers asked for a median 15% rate increase for 2027 nationally, after a 26% benchmark jump in 2026, and the enhanced premium tax credits expired at the end of 2025. Your net premium is the plan's price minus your credit, and the credit is pegged to the second-lowest-cost silver plan in your area. If that benchmark got cheaper relative to your plan, you pay more even if your plan's price barely moved.
How to use your result
- Worth shopping: your renewal is well above what a benchmark plan should cost at your income. Compare plans before December 15. The six things to check.
- Over the cliff: you are above 400% of the poverty level. See how retirement and HSA contributions can bring the credit back in the 2027 income limits.
- In line: your plan is priced about right, but a bronze plan with an HSA may still cost less in total. Cheapest options for 2027.
Open Enrollment runs November 1, 2026 to January 15, 2027. Choose by December 15 for January 1 coverage.
Premium increase questions
How much are health insurance premiums going up in 2027?
Insurers proposed a median increase of 15% for 2027 across 276 insurers nationwide, with requests ranging from a small decrease to more than 50%. In Florida, filed requests ranged from about 4% to about 39%. What you pay also depends on your premium tax credit, which changes with your income and your area's benchmark plan.
Why did my Marketplace premium go up more than the rate increase?
Because your net premium depends on your credit as well as the price. The credit is based on the second-lowest-cost silver plan in your area. If that plan's price rose less than yours, or a cheaper plan became the benchmark, your credit covers less of your plan. Losing the enhanced credits that expired in 2025 raised net premiums for most people too.
Is this calculator accurate for my ZIP code?
It is an estimate. Benchmark prices here are a national average adjusted for age; actual prices vary a lot by ZIP code and state. Use it to see whether your renewal looks high, then get a quote with your exact ZIP and ages.
What should I do if my renewal is too high?
Update your 2027 income estimate, then compare plans at the same metal level and one level down before December 15. If you are near the 400% cliff, pre-tax retirement or HSA contributions can bring your credit back. A licensed broker can do this comparison for free.
Want a real comparison?
Send us your renewal letter. We check it against every plan in your ZIP, free, and the premium is the same as buying direct.
Get my free 2027 quoteAlso useful: ACA subsidy calculator · How to lower your premium · Losing coverage in 2027