Whether you get health coverage through your job or buy it on the marketplace, you’ll likely pay more next year, as health insurance premiums across both public and private plans are spiking heading into 2026. Health policy experts blame inflation, higher prescription drug prices and increased demand for care that drives up costs across the system.

Affordable Care Act plans, which enrolled a record 24 million people this year, are set to rise an average of 26% in 2026, according to policy analysts at KFF . That estimate is one of the largest spikes since the ACA debuted, and doesn’t factor in the expiration of enhanced premium subsidies, so analysts show astronomical increases in some states. For example, New Jerseyans could see a nearly 175% increase , while people in parts of West

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