# What health coverage costs in 2027 > 2027 premiums, price changes and limits for marketplace, job-based, federal employee and Medicare coverage: what's set, what's proposed or projected, what's still to come, and where to see your own price. - URL: https://www.fighthealthinsurance.com/coverage-costs - Site index for agents: https://www.fighthealthinsurance.com/llms.txt Some 2027 prices are set. Others are proposed or projected, and more come out in November. Marketplace **15%** **rise insurers asked for** Median for 2027 plans, before premium help. Proposed, KFF, August 3, 2026 Job-based **8.2%** **rise in employer health costs** Expected per employee for 2027. Projected, Marsh, September 2, 2026 Federal employees **10.9%** **more paid by FEHB enrollees** On average, for 2027. Official, OPM, September 2026 Medicare **$209.50** **a month for Part B** The standard premium expected for 2027. Projected, Medicare Trustees, June 2026 **Labels:** **Official:** set or counted by a government agency; **Final:** rates insurers charge after review; **Proposed:** what insurers asked for, which can change; **Projected:** an estimate before the real number; **Survey:** an average from a survey of employers. Numbers and links checked October 28, 2026. ## Marketplace plans Insurers asked for smaller rises for 2027 than for 2026. How we got these numbers: Marketplace plans | Measure | 2026 | 2027 | | --- | --- | --- | | Median price change | **20%** Final, KFF, August 3, 2026 | **15%** Proposed, KFF, August 3, 2026 | | Average price change, weighted by enrollment | **25.5%** Final, Families USA, October 26, 2026 | **15.6%** Proposed, Families USA, October 26, 2026 | | Most you pay for the benchmark plan with premium help, as a share of income | **9.96%** Official, IRS, July 2025 | **10.22%** Official, IRS, July 2026 | | Most you pay out of pocket in a year, for covered in-network care | **$10,600** for one person, **$21,200** for a family Official, CMS, January 29, 2026 | **$12,000** for one person, **$24,000** for a family Official, CMS, January 29, 2026 | Price changes are list prices, before premium help. Out-of-pocket limits don't include premiums. - **Most people get premium help.** About 87% of people who picked a plan for 2026 got premium tax credits. (Official, CMS, March 2026) - **Help rises with prices.** It's based on your income and your area's benchmark plan, the second-lowest-cost silver plan. When list prices rise, your help usually does too. - **No federal premium tax credit above 400% of the poverty level.** Some states have their own help; your state's marketplace can tell you. (Official, IRS, July 2026) - **For many people, the big jump came in 2026.** The extra premium help ended after 2025. The average premium after help rose from $113 a month for 2025 to $178 for 2026. So 2026 to 2027 understates what long-time enrollees felt. (Official, CMS, May 2025 and March 2026) ## Job-based plans Your employer decides how much of the premium you pay. How we got these numbers: Job-based plans - **Average yearly premium, 2026:** $9,804 for one person and $28,303 for a family. Each rose 5% from 2025. (Survey, KFF, October 22, 2026) - **What workers paid, 2026:** $1,672 for one person and $7,471 for a family. The family share rose 9% from 2025. (Survey, KFF, October 22, 2026) - **Expected for 2027:** employers expect their health benefit cost per employee to rise 8.2% on average, even after changes such as higher deductibles. (Projected, Marsh, September 2, 2026) Averages for what workers pay in 2027 aren't out yet. Your enrollment materials show your own. ## Federal employees and retirees Premiums rise again in 2027, by less than in 2026. This covers FEHB and Postal Service (PSHB) plans. Open Season runs November 9 to December 14, 2026. How we got these numbers: Federal employees and retirees | Average rise | 2026 | 2027 | | --- | --- | --- | | FEHB premiums | **10.2%** Official, OPM, September 2026 | **9.3%** Official, OPM, September 2026 | | What FEHB enrollees pay | **12.3%** Official, OPM, September 2026 | **10.9%** Official, OPM, September 2026 | | PSHB premiums | **9%** Official, OPM, September 2026 | **6.7%** Official, OPM, September 2026 | | What PSHB enrollees pay | **11.3%** Official, OPM, September 2026 | **8.2%** Official, OPM, September 2026 | Averages across all plans. Your plan's change can differ. ## Medicare Part B is expected to rise. The average Medicare Advantage premium is expected to fall. Open enrollment runs October 15 to December 7, 2026. How we got these numbers: Medicare | Measure | 2026 | 2027 | | --- | --- | --- | | Part B premium, per month | **$202.90** Official, CMS, November 14, 2025 | **$209.50** Projected, Medicare Trustees, June 2026 | | Part B deductible, per year | **$283** Official, CMS, November 14, 2025 | **$292** Projected, Medicare Trustees, June 2026 | | Medicare Advantage premium, average per month | **$14.37** Official, CMS, September 28, 2026 | **$12.00** Projected, CMS, September 28, 2026 | | Drug plan on its own (Part D), average per month | **$35.09** Official, CMS, September 28, 2026 | **$36** Projected, CMS, September 28, 2026 | | Most you pay for covered Part D drugs in a year | **$2,100** Official, CMS, April 6, 2026 | **$2,400** Official, CMS, April 6, 2026 | | Part D deductible, at most | **$615** Official, CMS, April 6, 2026 | **$700** Official, CMS, April 6, 2026 | Most people pay Part B plus any plan premium. Higher incomes pay more for Part B. Plan averages are weighted by enrollment, and plans near you can cost more or less. What you can do ## What to do now - **See marketplace prices.** HealthCare.gov shows [plans and prices](https://www.healthcare.gov/see-plans/) for your area, with 2027 plans from about November 1. - **Use your state's marketplace if it has one.** [Find yours on HealthCare.gov's list](https://www.healthcare.gov/marketplace-in-your-state/). - **Compare Medicare plans by December 7.** [Medicare Plan Finder](https://www.medicare.gov/plan-compare/) checks plans against your drugs and pharmacies. - **Compare federal plans in Open Season.** Use OPM's [plan comparison tool](https://www.opm.gov/healthcare-insurance/healthcare/plan-information/compare-plans/) and [premium charts](https://www.opm.gov/healthcare-insurance/healthcare/plan-information/premiums/). - **On a job-based plan, ask HR.** Each plan's [Summary of Benefits and Coverage](https://www.healthcare.gov/health-care-law-protections/summary-of-benefits-and-coverage/) shows what you'd pay for care. - **Share your plan's documents.** [Send the rate sheet and Summary of Benefits and Coverage](https://www.fighthealthinsurance.com/share-plan-documents), nothing with your name on it, so we can show what plans cost. - **Get free help.** [Find an independent assister](https://www.healthcare.gov/find-local-help/), or your state's free Medicare counseling on [our state help pages](https://www.fighthealthinsurance.com/state-help/). - **See what else changes.** [Our fall checklist](https://www.fighthealthinsurance.com/coverage-changes#fall-checklist) covers the rest of 2027. Not out yet ## Still to come ### Final marketplace rates By November 1, when open enrollment starts. Federal rules require it. ### CMS's 2027 marketplace files Early to mid November, like last year's. ### The official Part B premium Mid November. Last year's came out November 14. ### What enrollees pay after help Around March 2027, from CMS's open enrollment files. We try to update this page as each one comes out. Beyond this page ## Where to find more data like this - ### [KFF State Health Facts](https://www.kff.org/affordable-care-act/state-indicator/average-marketplace-premiums-by-metal-tier/) Average marketplace premiums by state, for the lowest-cost bronze, silver and gold plans and the benchmark plan. No ads. - ### [CMS Marketplace Products](https://www.cms.gov/data-research/statistics-trends-and-reports/marketplace-products) CMS's open enrollment files for each year, with average premiums before and after premium help by state. No ads. - ### [HealthCare.gov plan datasets](https://www.healthcare.gov/health-and-dental-plan-datasets-for-researchers-and-issuers/) Downloadable data on HealthCare.gov's health and dental plans, for researchers. No ads. Know a public data source we should include? Send it our way. [Get in touch](https://www.fighthealthinsurance.com/contact). Checked October 28, 2026. Related pages ## More on costs, coverage and denials ### [Denial Watch](https://www.fighthealthinsurance.com/denial-watch) How often insurers deny claims and how often appeals win, from public records. ### [Open enrollment for 2027](https://www.fighthealthinsurance.com/open-enrollment) The sign-up dates, what to compare before you pick a plan, and where to get free help. ### [Share your plan documents](https://www.fighthealthinsurance.com/share-plan-documents) Send the documents your plan gives everyone, so we can show what plans cost and cover. Where the numbers come from ## Sources and method Each number is as its source published it, except the 87%, which is our math from CMS's counts. Each date is when the source published it, or when a data file's page was last updated. ### Marketplace plans 1. **Median price change:** KFF, a nonprofit health policy research, polling and news organization. Matt McGough and others, ["How Much and Why ACA Marketplace Premiums Are Going Up in 2027"](https://www.kff.org/affordable-care-act/how-much-and-why-aca-marketplace-premiums-are-going-up-in-2027/), July 8, 2026, updated August 3, 2026. The median of 276 insurers' proposed changes in all 50 states and DC. For 2026, KFF gives 18% proposed and 20% final. We cite KFF's figures and don't copy its charts. 2. **Weighted price change:** Families USA, a national consumer health advocacy organization, ["ACA Marketplace Premium Rate Tracker"](https://www.familiesusa.org/resources/aca-marketplace-premium-rate-tracker-insurers-likely-to-propose-premium-increases-for-2027/), updated October 26, 2026. Requested changes in all 50 states and DC, weighted by enrollment, and 2026's average final change. It updates as states finalize rates. 3. **Premium help:** the IRS's yearly tables of the share of income people pay for the benchmark plan, which stop at 400% of the poverty level: [Rev. Proc. 2025-25](https://www.irs.gov/pub/irs-drop/rp-25-25.pdf) for 2026 and [Rev. Proc. 2026-26](https://www.irs.gov/pub/irs-drop/rp-26-26.pdf) for 2027. 4. **Out-of-pocket limits:** CMS, [2027 payment parameters guidance](https://www.cms.gov/files/document/2027-papi-parameters-guidance-2026-01-29.pdf), January 29, 2026, with the 2026 and 2027 limits. 5. **Premium help and what people paid:** CMS's Marketplace Open Enrollment Period public use files for [2025](https://www.cms.gov/data-research/statistics-trends-reports/marketplace-products/2025-marketplace-open-enrollment-period-public-use-files) (page updated May 12, 2025) and [2026](https://www.cms.gov/data-research/statistics-trends-reports/marketplace-products/2026-marketplace-open-enrollment-period-public-use-files) (March 27, 2026). The state-level file's national row, HealthCare.gov and state-run marketplaces together. The average is the monthly premium per person after premium tax credits, for everyone with a plan picked. It leaves out extra help some states add, and it moves with the plans people pick. The 87% is the 20,035,756 people who got a premium tax credit out of the 23,130,860 who picked a plan. Back to Marketplace plans ### Job-based plans 1. **Premiums and workers' share:** KFF, [2026 Employer Health Benefits Survey](https://www.kff.org/health-costs/2026-employer-health-benefits-survey/), October 22, 2026. A yearly survey of employers; national averages, the employer's share included. 2. **2027 costs:** Marsh, preliminary results of its 2026 National Survey of Employer-Sponsored Health Plans, from more than 1,800 employers, [announced September 2, 2026](https://www.mercer.com/en-us/about/newsroom/employers-expect-health-benefit-costs-to-jump-in-2027/) on the site of Mercer, which is becoming Marsh. Total health benefit cost per employee, after the changes employers plan. Back to Job-based plans ### Federal employees and retirees 1. **Premium rises and Open Season:** OPM, [Federal Benefits Open Season Highlights, 2027 Plan Year](https://www.opm.gov/healthcare-insurance/open-season/agency-benefits-officers/housing-for-os-materials/2026-federal-benefits-open-season-highlights-for-plan-year-2027.pdf), September 2026. Average changes across all plans, for 2026 and 2027. Back to Federal employees and retirees ### Medicare 1. **Part B for 2026:** CMS, [2026 Medicare Parts A & B Premiums and Deductibles](https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles), November 14, 2025. 2. **Part B for 2027:** the [2026 Medicare Trustees Report](https://www.cms.gov/oact/tr/2026), June 2026, table V.E2. It estimates the standard premium and deductible; CMS sets the official amounts later. 3. **Medicare Advantage and drug plan premiums:** CMS, ["Medicare Advantage and Medicare Prescription Drug Programs Expected to Remain Stable in 2027"](https://www.cms.gov/newsroom/press-releases/medicare-advantage-medicare-prescription-drug-programs-expected-remain-stable-2027), September 28, 2026. Averages weighted by enrollment. The Medicare Advantage average includes plans with drug coverage and Special Needs Plans. The 2027 averages are CMS's projections. 4. **Part D limits:** CMS, [2027 Rate Announcement](https://www.cms.gov/files/document/2027-announcement.pdf), April 6, 2026, which sets 2027's deductible and out-of-pocket threshold and lists 2026's. Back to Medicare ### Still to come 1. **Final rates:** [45 CFR 154.301(b)](https://www.ecfr.gov/current/title-45/subtitle-A/subchapter-B/part-154/subpart-C/section-154.301) requires final rate increases to be public by the first day of open enrollment. 2. **Timing:** we expect CMS's files and the Part B announcement around when last year's came out. CMS released the 2026 Part B amounts on November 14, 2025. Back to Still to come **Please note:** This is general information, not legal, medical or financial advice. Plans vary, so check your own plan's documents. Proposed and projected numbers may change.