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ACA Insurers Propose Biggest Premium Hikes Since 2018 as Trump Policies Take Hold

COLORADO, JUL 17 – Proposed premium hikes result from subsidy cuts and reduced reinsurance funding, potentially causing over 100,000 Coloradans to drop coverage, officials say.

  • In January, Colorado health insurers requested a median 28.4% increase for 2026, state officials said, linking the hike to the One Big Beautiful Bill Act.
  • Without extending enhanced premium tax credits, the Act cuts aid for hundreds of thousands, while reinsurance funding falls by 40%, Michael Conway said.
  • In Pueblo and the Eastern Plains, insurers sought over 30% hikes, and Western Slope and Grand Junction filings topped 38%, with the state projecting more than 100,000 will drop coverage.
  • Wakely Consulting Group estimates enrollment could drop by 57%, and Josh Schultz said 'There will be sticker shock,' amid escalating rate proposals.
  • Consumers will learn their new premium prices only late in the fall, or when open enrollment for the ACA begins on Nov. 1, and a virtual public hearing is scheduled for August 1.
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Affordable Care Act premiums will increase by a median of 15% in 2026, KFF says

It would be the largest premium increase for the program since 2018.

·United States
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Colorado Sun broke the news in Colorado, United States on Thursday, July 17, 2025.
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