As of late April, the ACA Marketplace submission cycle for plan year 2027 has begun. However, most filings—including proposed premiums—are not yet public. The key phase for evaluating rate changes typically occurs between May and July, when insurers release detailed filings and actuarial justifications. In 2026, ACA premiums rose an average of 21.7% from the previous year. In a recent proposed rule, CMS stated that it expects as much as 2 million enrolees to drop coverage, which will lead to an estimated 3% increase in premiums nationally for 2027.