Health Insurance Is About to Cost More in 2027 (Do This Now)

Health insurance is about to cost more in 2027. ACA marketplace insurers asked for a median increase of about 15%, and employers expect health benefit costs to rise 8.2%, the biggest jump since 2003. Here's health insurance explained simply: why it's going up, who gets hit hardest, and 6 moves to make before open enrollment starts on November 1. What you'll learn • The 3 reasons premiums keep rising (care costs, expired subsidies, a sicker risk pool) • The subsidy cliff at 400% of the poverty level (about $63,840 for one person, 2027 coverage) • Why employer plans are also getting more expensive • Bronze vs silver vs gold: how to compare the total cost, not just the premium • How an HSA works and the 2027 limits ($4,500 / $9,000) • The deadlines: Dec 15 for Jan 1 coverage on HealthCare.gov, Jan 15 to close Chapters 0:00 Your health insurance is going up again 0:44 Why: 3 reasons 1:27 Who gets hit the hardest (the subsidy cliff) 2:22 Move 1: Don't auto-renew 2:47 Move 2: Update your income 3:12 Move 3: Compare the total cost 4:05 Move 4: Doctors and prescriptions 4:21 Move 5: HSA (2027 limits) 4:44 Move 6: The deadline 5:13 Your 6-move checklist Sources • KFF, 2027 ACA Marketplace proposed premiums (median increase ~15%; ~4 points from morbidity): https://www.kff.org/topic/affordable-... • HealthInsurance.org, 2027 proposed rate increases by state: https://www.healthinsurance.org/blog/... • Mercer, employers expect health benefit costs to jump 8.2% in 2027: https://www.mercer.com/en-us/about/ne... • HealthCare.gov, open enrollment dates: https://www.healthcare.gov/quick-guid... • IRS Rev. Proc. 2026-24, 2027 HSA limits (via Bloomberg Tax): https://news.bloombergtax.com/payroll... Notes: Proposed rates can change after state review. The bronze/gold numbers and the premiums on the thumbnail are illustrations, not real quotes. Some state marketplaces have different deadlines. Talk to a licensed agent or tax professional about your situation. Animation, narration and original music: Dollara. Narration uses a synthetic voice. For educational purposes only, not financial, tax or medical advice. #HealthInsurance #OpenEnrollment #PersonalFinance