If you’re shopping for health insurance, you may have noticed your ACA premiums went up this year—but there’s more to the story than meets the eye.

According to early insurer filings for 2025, the median premium increase on ACA marketplace plans is approximately 7%, driven by rising costs for prescription drugs, medical services, and inflation. Once finalized, CMS data confirms a 4.2% increase in average premiums, while enhanced federal subsidies continue to make coverage affordable for middle-income families.

Why the Premiums Are Rising

• Medical costs have surged due to higher drug prices, specialty medications, rising labor costs, and hospital inflation.

• Millions of Americans receive enhanced premium subsidies (APTC), which have kept out-of-pocket monthly premiums low—often near zero after subsidies.

• With these subsidies extended through 2025 under federal law, many mid-income households remain protected from cost spikes.

What It Means for You

• Premiums are up—but not skyrocketing. The 7% average increase may most affect those without subsidies.

• Subsidized consumers are largely insulated. Many still pay less than $100/month, and some plans are available for $10 or less in 2025.

• Important: compare plans before enrolling. Coverage benefits, networks, and final premiums can differ significantly.

Get Your 2025 Health Insurance Quote Now

At InsuranceShopping, we make it simple to compare health insurance options for 2025. Whether you’re looking for a low-cost ACA plan or want to understand your subsidy eligibility, you can get fast, personalized quotes in just a few clicks.

Get your free health insurance quote now and find out how affordable coverage can still be — even with rising premiums in 2025.