July 23,2025

Across the Country, Health Insurance Premiums Set to Spike Thanks to Trumpcare

Premiums Across The Country Are Rising By An Average Of 15% Across 100 Insurers

Washington, D.C. – Health insurance premiums in states across the country are set to spike next year largely thanks to the Republican budget bill, which cuts health care spending by the largest amount in American history. The disruption caused by this bill, including Republicans’ refusal to end middle-class premium tax credits for health care, means Trumpcare is here to stay. Trumpcare means higher costs, more red tape, and worse health care for kids, seniors, Americans with disabilities and working families alike.

“When Americans go to purchase health insurance this fall, they are in for some serious sticker shock thanks to Trumpcare,” Senate Finance Committee Ranking Member Ron Wyden, D-Ore., said. “Republicans still have time to step up and work with Democrats to limit the damage they’ve caused and put more money in the pockets of American families, but the new reality of Trumpcare is quickly starting to set in. Americans shouldn’t have to pay more for health insurance just because Republicans decided to shower corporations and their ultrawealthy friends with tax breaks.”

Each summer, insurers file new premium rate filings to explain or justify increases in costs. Those filings show unusually large increases for insurance premiums, which are the monthly fees people pay to maintain their health insurance coverage.

This year, the Trump administration and Republicans in Congress have resumed attacking the Affordable Care Act, putting up red tape to make it harder for people to get coverage. With steps like shortening the enrollment period, creating more verification hoops to get covered, and reducing time to resolve paperwork mistakes, Republicans are making it harder for middle-class Americans to get health care.

What To Know

  • Premiums are rising by a median of 15% across 100 ACA marketplace insurers.
  • In Colorado, more than 300,000 people are facing an average rate increase of 28%, the second-largest hike since the ACA was implemented.
  • Pennsylvania is facing a 19% statewide average premium increase.
  • Experts are attributing the increases to uncertainty about economic policy, the Republican reconciliation bill, and tariffs that could raise prices on drugs, medical equipment, and supplies.

The bottom line: health insurance is getting more expensive, and it’s because of Republican policy choices that put the wealthiest over working Americans. Open enrollment for the individual marketplace begins on November 1st. Americans can’t wait until the end of the year for Congress to act on these health care tax credits.

Increases like these are only the beginning of the effects of the Republican budget bill and Trump’s tariffs. Not only do they make health care more expensive for those who buy health insurance on their own, they also drive up costs for those who get health care through their employer. That’s because people who are uninsured will seek care in emergency settings, driving up the cost of care for everyone, and sicker Americans who can’t afford to buy health insurance on their own will seek other options, often returning to their employer’s insurance.

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