Published October 20, 2026 · Updated October 25, 2026 · Daniel Griffin, Licensed Independent Advisor · NPN #22052447
Short answer: final 2027 marketplace rates are now approved in 16 of the 23 states covered here. Weighted by enrollment, the approved averages run from 7.4% in Utah to 22.1% in South Carolina, and the middle of the sixteen falls between Ohio (16.3%) and Tennessee (15.6%). Seven states are still reviewing: Arkansas, Kansas, Mississippi, Nebraska, North Carolina, Oklahoma and Texas. These are average changes in the full price of individual plans, before any tax credit.
What Changed This Week
- Wisconsin: 21.7% (final October 23). Slightly above the 21.1% estimated from the original filings. Wisconsin’s 2027 premiums.
- Florida: 10.4%. The Office of Insurance Regulation’s approved filings came in roughly five points below what insurers asked for. Florida’s 2027 premiums.
- Ohio: 16.3%. Higher than the 13% published in August, which was an estimate made before insurers’ enrollment numbers were known; most insurers’ own increases barely moved. CareSource is leaving Ohio’s marketplace. Ohio’s 2027 premiums.
- Illinois: 14.0%. Virtually unchanged from what insurers requested. Illinois’s 2027 premiums.
- South Carolina: 22.1%. Up from the 17.2% average in the original filings, and now the highest of the 23. South Carolina’s 2027 premiums.
Every State, Ranked
| State | 2027 average change | Status |
|---|---|---|
| South Carolina | +22.1% | Final |
| Wisconsin | +21.7% | Final |
| Oklahoma | +21.6% | Under review |
| Mississippi | +21.1% | Under review |
| Alabama | +20.7% | Final |
| Georgia | +20.7% | Final |
| Kansas | +19.5% | Under review |
| Indiana | +17.5% | Final |
| Nevada | +17.0% | Final |
| Virginia | +16.9% | Final |
| Ohio | +16.3% | Final |
| Tennessee | +15.6% | Final |
| North Carolina | +14.9% | Under review |
| Maryland | +14.6% | Final |
| Michigan | +14.5% | Final |
| Texas | +14.1% | Under review |
| Illinois | +14.0% | Final |
| Nebraska | +13.6% | Under review |
| Florida | +10.4% | Final |
| South Dakota | +10.1% | Final |
| Colorado | +10.0% | Final |
| Utah | +7.4% | Final |
| Arkansas | +6.0% | Under review |
Average change in the full, unsubsidized premium for individual plans. Final figures are the state regulator’s own average where one was published (Colorado, Indiana, Maryland and Nevada), otherwise the enrollment-weighted average of the approved filings compiled by ACASignups.net. “Under review” figures are what insurers requested and can still change before November 1. Arkansas’s figure is weighted by the two insurers whose enrollment is published; Kansas’s summary also cites about 29% for people without subsidies.
What does your own 2027 bill look like?
Send your ZIP code. A licensed agent prices the 2027 plans in your county at your age as soon as they post, and works out your tax credit.
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Why Your Own Bill Can Move Differently
- The average hides a wide range. Inside one state, one insurer’s increase can be several times another’s: Alabama’s approved rates run from 11.4% to 33.8% by insurer, and Michigan’s from 11.1% to 25.5%.
- Age turns the same percentage into more dollars. A marketplace premium can be up to three times higher at 64 than at 21, so a 15% increase costs an older buyer far more each month.
- A tax credit absorbs most of it, below the line. The credit is tied to the benchmark Silver plan where you live, so when that plan’s price rises, the credit rises with it. For 2027 coverage the credit stops at 400% of the poverty line: $63,840 for one person and $132,000 for a family of four. Above that, you pay the whole increase.
- The worst year costs more too. The most a marketplace plan can make you pay for covered in-network care rises to $12,000 for one person in 2027 (why it rose).
- Some insurers are leaving. Cigna is leaving the marketplace in all 11 states where it sells, including Colorado, Florida, Georgia, Illinois, Indiana, Mississippi, North Carolina, Tennessee, Texas and Virginia, and CareSource is leaving Ohio and Indiana. If your insurer is going, do not let automatic re-enrollment choose your next plan for you.
What to Do Before November 1
- Read your renewal notice when it arrives. It shows your 2027 plan and price, or tells you the plan is ending.
- Estimate your 2027 household income now. The credit depends on it, and a small change near $63,840 can be worth thousands of dollars (how to estimate it).
- Compare when the 2027 plans post, just before Open Enrollment opens on November 1, rather than renewing automatically.
- Pick by December 15 for coverage that starts January 1.
Your state finalized? Line up 2027 before the rush.
A licensed agent compares the 2027 marketplace plans in your county with any private option you qualify for, so you can choose on November 1, not December 15.
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Sources
- ACASignups.net, 2027 rate changes by state (Florida, Ohio, Illinois and South Carolina final filings, updated October 15–19, 2026, and each state linked from the state pages).
- State regulators: Colorado Division of Insurance (September 22, 2026), Indiana Department of Insurance Rate Watch, Maryland Insurance Administration (September 25, 2026), Nevada Division of Insurance (October 1, 2026).
- Peterson-KFF Health System Tracker, How much and why ACA Marketplace premiums are going up in 2027: median proposed increase of 15% across 276 insurers.
- HHS 2026 poverty guidelines and IRS Rev. Proc. 2026-26: the 2027 tax-credit income limits.
- HHS, 2027 cost-sharing limits: $12,000 for one person.
Averages are for the individual market and can differ from what any one person pays. Nothing here is tax advice or an offer of coverage. Daniel Griffin is a licensed independent insurance agent, NPN #22052447, not tied to any single carrier and not affiliated with the U.S. government.