Texas ACA insurers hike monthly premiums by 35% on average

Affordable Care Act premiums are set to rise by 35.2%, on average, in Texas when open enrollment begins Nov. 1, a consequence of the insurance industry’s response to rising costs and the likelihood of expiring premium tax credits.

The sticker shock from this percent increase will be more pronounced in Texas than in all but five states. An average benchmark monthly premium — the premium for the second-lowest cost silver plan, which is used to calculate the size of tax credits — for a 40-year-old individual was $489, before tax credits are applied, for 2025; health policy organization KFF found that Texas insurers are charging ACA enrollees $661 for benchmark plans, on average, in 2026. That was the biggest percentage change since 2018.

The organization also found average premiums increased faster among states that use Healthcare.gov, like Texas, compared to states that operate their own state-based exchanges.

The amount that individuals pay toward their premiums would rise more steeply than the underlying rate hike because of the expiration of the enhanced premium tax credits.

Read more: https://www.texastribune.org/2025/10/31/texas-aca-premiums-health-insurance/