Why Health Insurance Is About to Cost Even More in 2027

Why is health insurance so expensive, and why is it getting worse again in 2027? A freelance designer's premium goes from $445 to $719 a month. Same income, same doctor. This video goes through the data: the size of the bill, job-based coverage, the ACA marketplace and Medicare, seven reasons behind it, the other side of the story, and what you can do before enrollment opens. 0:00 The $445 to $719 problem 0:58 The question 1:22 How big is the bill ($5.3 trillion) 2:19 Job-based coverage 4:04 The ACA marketplace 6:06 Medicare 6:58 Answer 1: Prices 7:58 Answer 2: Hospital prices 9:06 Answer 3: More care used 9:47 Answer 4: New drugs and GLP-1 10:28 Answer 5: Billing, coding, disputes 11:27 Answer 6: Expired subsidies, sicker pool 12:51 Answer 7: You pay twice 14:42 The other side of the story 16:53 What you can do 18:56 Putting it together 19:53 What to do next Sources: CMS National Health Expenditure data 2024; KFF Employer Health Benefits Survey 2025 and KFF analysis of 2027 marketplace filings; Marsh 2027 employer cost projection; The Commonwealth Fund; RAND hospital price study; JAMA study on US health spending; CMS Medicare Part B and Part D premiums. The $445 to $719 example is a model, not a bill, and the designer is an illustration. Educational only, not financial, legal or medical advice. Music: Mixkit (mixkit.co). Subscribe to US Money Report for a new "why is it so expensive" breakdown every day. #healthinsurance #ACA #personalfinance