ACA Health Insurance Premiums Will Rise for 2027
Households in Maryland and Delaware will face higher health insurance premiums when coverage updates for the 2027 plan year.
Updated on Oct. 12, 2026 in Insurance
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State regulators have approved insurance rate hikes for 2027 Affordable Care Act (ACA) plans in Maryland and Delaware. The changes will impact households enrolling in coverage during the upcoming open enrollment period beginning November 1.
Why it matters
The approved increases follow the expiration of federal tax credits that previously helped lower costs for many participants. Households should anticipate higher monthly premiums as these adjusted rates take effect for the 2027 plan year.
Maryland ACA plans will see an average rate increase of 14.6% for 2027, while some plans in Delaware have received approval for hikes exceeding 17%. These figures reflect state-approved adjustments that will apply to policies effective throughout the 2027 plan year.
The players
Maryland Insurance Administration
The state agency responsible for regulating insurance providers and approving premium rates for Maryland consumers.
The details
State insurance administrations reviewed and approved these rate changes after concluding that higher premiums were necessary for the upcoming year. The hikes result from an environment where federal tax credits for ACA plans were not extended by lawmakers. When open enrollment begins in November, residents should review their plan options to understand how these state-approved adjustments will influence their personal monthly costs.
Timeline
October 9, 2026: The Maryland Insurance Administration approved the 2027 rate increases.
November 1, 2026: The open enrollment period for ACA health insurance plans begins.
2027: The new insurance premium rates take effect for policyholders.
Money Landscape
These rate hikes represent a shift in the Affordable Care Act landscape as federal support for premium subsidies declines. This trend marks a departure from recent years where tax credits helped keep costs consistent for many insured households.
Households in Maryland and Delaware should prepare for higher monthly premiums by reviewing their budget before the November open enrollment window. Consult with a qualified financial or tax professional to evaluate whether your current plan remains the most cost-effective option for 2027.
The takeaway
The expiration of federal tax credits is putting upward pressure on health insurance costs for the 2027 plan year. As you prepare for the upcoming enrollment period, compare your current plan against new offerings to identify the most suitable coverage for your household budget.
What happens next
Open enrollment for Affordable Care Act plans is scheduled to begin on November 1, 2026.
Further reading
To learn more about how plan changes may affect your coverage, review our guide to Insurance.
Source note: This article includes information reported by 47abc.
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