Forbes November 1, 2025
Open enrollment is happening. It’s the annual period during which individuals can adjust or switch plans or re-enroll in their current health plan. Individuals or families purchasing insurance on the Affordable Care Act marketplace will face steep increases in premiums of up to 30% on average. And for employees selecting plans in the employer-sponsored market—by far the largest insurance sector in America—they will pay 9% more for their insurance in 2026, which is more than three times the current rate of inflation.
On rising health insurance premiums, the main focus in the media has been on premium increases in the ACA exchanges as well as the expiring enhanced subsidies. However, a much larger number of Americans will be impacted by...
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