Start with your actual cost
If you buy your own health insurance, review your 2027 options before renewing. A headline about rising premiums does not tell you what your household will pay. Your plan’s price, your eligibility for financial assistance, and the coverage you choose all matter.
What is changing in 2027?
KFF’s August 3, 2026 analysis of 276 insurers across all 50 states and Washington, D.C., found a median proposed premium increase of 15% for 2027. That is a nationwide filing statistic—not a final increase for every plan, a Florida or Georgia average, or a prediction of your bill. [1]
Insurers cite rising medical prices, staffing costs, and a less healthy enrollment pool after enhanced premium tax credits expired at the end of 2025. That expiration already affected 2026 coverage; it is not a new benefit ending in 2027. [1]
The premium and your monthly payment are different
The full premium is the insurer’s price before assistance. Your net premium is what you pay after an eligible premium tax credit. The credit generally depends on a local benchmark Silver plan and household income, so your bill can change differently from your plan’s full price. [2]
Illustration only: A $600 monthly premium with a $400 credit leaves a $200 payment. If next year’s premium is $660 and the credit is $450, the payment is $210. If the credit stays $400, it is $260. These invented figures show the calculation; they are not quotes or expected savings.
Tax credits still exist, but the rules matter
Under current federal rules, premium tax credits generally require household income between 100% and 400% of the federal poverty level, along with other eligibility conditions. The temporary expansion through 2025 has ended. [2]
The IRS’s 2027 benchmark contribution schedule ranges from 2.15% to 10.22% of household income, depending on income level. This is a subsidy calculation, not a guaranteed price for any plan you select. [3]
Estimate 2027 income carefully and report changes promptly. For tax years after 2025, excess advance credits must be repaid in full; repayment caps no longer apply. A tax professional can help assess your situation. [2]
Five things to review before you renew
- Update your household information. Gather your expected income, household size, address, and information about other coverage available to you.
- Compare the payment after assistance. Use the same accurate household details for each quote.
- Look beyond the premium. Review deductibles, copays, coinsurance, and the out-of-pocket maximum. A lower monthly price can come with higher costs when you need care.
- Check doctors and prescriptions again. Confirm important providers, hospitals, medications, and pharmacies for the specific 2027 plan.
- Read your renewal notice. Compare its costs and benefits with other available options before deciding.
Get ready for November 1
HealthCare.gov says applications for 2027 coverage begin November 1, 2026. Prepare now, then confirm your Marketplace’s current deadlines and available plans before enrolling. Florida uses HealthCare.gov; Georgia residents should check Georgia Access for their state’s enrollment information. [4] [5]
Make a coverage decision with confidence
Sentium Health helps individuals and families in Florida and Georgia compare ACA coverage, understand potential savings, and review important plan details. Bring your renewal notice, doctor list, prescriptions, and expected household income to the conversation.
Prefer to talk first? Call 407-815-5238 to discuss your 2027 coverage review. Availability of 2027 quotes depends on the Marketplace and enrollment platform.