ACA health insurance will cost the average person 75% more next year, research shows

Research shows ACA health insurance costs are projected to rise dramatically for millions of Americans — with some estimates showing increases of 75% or more for those who lose enhanced subsidies. For Arizona residents currently on marketplace coverage, here’s what this means and what you can do about it.

Why ACA Health Insurance Costs Are Rising

The enhanced premium tax credits introduced by the American Rescue Plan significantly reduced ACA health insurance costs for millions of enrollees. Research from multiple policy organizations has found that when those subsidies expire or are reduced, premiums could increase by 75% or more for people in certain income brackets — especially those earning between 400% and 600% of the federal poverty level.

According to KFF research, the expiration of enhanced subsidies would cause the largest premium increases for middle-income enrollees who currently benefit most.

Who Gets Hit Hardest by ACA Premium Increases

Not everyone pays the same ACA health insurance costs. The impact of subsidy expiration varies significantly by income:

• Income below 150% FPL: Often pay $0 with current enhanced subsidies — could face significant premiums if subsidies expire
• Income 200-400% FPL: Currently pay capped premiums — increases could be hundreds per month
• Income above 400% FPL: Already face full unsubsidized premiums — but benchmark plan costs still rising

What Arizona Residents Can Do Now

If you’re facing rising ACA health insurance costs in Arizona, here are your options:

• Check your subsidy eligibility — income changes could mean different subsidy amounts
• Compare off-exchange PPO plans — for healthy individuals without meaningful subsidies, private PPOs may cost less
• Consider short-term medical plans — lower premiums for healthy individuals between coverage periods
• Work with an independent broker — compares all options at no extra cost to you

Free Help Managing ACA Health Insurance Costs in Arizona

I’m Andy Orlikoff, an independent health insurance broker in Surprise, AZ. I help Arizona residents navigate rising ACA health insurance costs — comparing marketplace plans, off-exchange PPOs, and alternatives at no cost to you.

Call or text: (623) 742-3878
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Serving Surprise, Phoenix, Peoria, Glendale, Goodyear, Scottsdale, Mesa, Chandler, Gilbert, and all of Arizona.

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