EP24 How Much and Why ACA Marketplace Premiums Are Going Up in 2027

KFF’s August 3 analysis of 276 insurers found a median proposed 2027 ACA Marketplace premium increase of 15%, following a 20% median finalized increase for 2026. These rates are proposed and still require state approval.Clients already absorbed major changes in 2026 after enhanced premium tax credits expired: average enrollee premium payments increased 58%, deductibles rose, and Silver enrollment declined. CMS reported 23.1 million Marketplace plan selections for 2026.We break down what agents know now, what they should not quote yet, and how to book October reviews before November 1.🔑 Key Topics CoveredProposed 2027 ACA rate increases2026 client cost changesMarketplace enrollment shiftsOctober review appointment strategy🎯 What This Means for AgentsExpect rate concerns before Open EnrollmentReview subsidy and deductible changes earlyAvoid quoting unapproved 2027 premiumsPrioritize vulnerable Marketplace clients now🔗 SourcesKFF2027 ACA Marketplace Premium AnalysisCMS2026 Open Enrollment Report📌 GO-DO: Build Your October Review ListExport your ACA, Marketplace, and under-65 clients this week. Prioritize clients who moved to Bronze in 2026 or lost enhanced-credit protection. Call each one without quoting a 2027 premium and book a 20-minute October review covering their plan, subsidy, and deductible.Infographic: https://www.psmbrokerage.com/hubfs/The%20Insurance%20Producers%20Guild/IPG_EP24_Infographic.pngSlides: https://www.psmbrokerage.com/hubfs/The%20Insurance%20Producers%20Guild/IPG_EP24_Slides.pdfThe Insurance Producers Guild Podcast delivers intelligence for insurance agents looking to stay ahead of industry trends.Follow the show and connect with PSM Brokerage to access tools, training, and support designed to help you grow your business.Learn more: https://www.psmbrokerage.com