Health insurance carriers request raising ACA premiums by more than 20% on average in Texas

https://www.texastribune.org/2025/08/21/texas-health-insurance-premiums-aca-tax-credit-expiration/?_bhlid=5e9cc4ef44009d1d24a20a554e0a2cab109ae29b

Health insurers are hiking policy premiums in response to proposed federal cuts and rising costs in various parts of the health care sector.

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Health insurance companies have requested an average premium increase of 24% for Affordable Care Act plans in Texas in 2026, a significant hike that could lead to destabilization in the marketplace and customers opting for less or no coverage.

Last year, the average rate hike across insurance carriers was 3.8%. Data analysis from KFF found that next year’s rate hikes could be the largest increase since 2018, when average premiums went up by 35% in Texas. In 2018, companies factored in Congress’ attempts to repeal the Affordable Care Act and President Donald Trump signing an executive order ending subsidies to insurers for low-income people. After 2018, average premiums in Texas have never risen by more than 4%.

Nearly 4 million Texans bought health insurance coverage through the ACA marketplace for 2025, a high-water mark in a state that has the highest uninsured rate in the nation. ACA uptake has tripled since 2020, after Congress expanded tax credits to lower ACA users’ monthly premiums.

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