Obamacare prices go up again in 2027. We checked what almost 7,000 families will really pay.

The government posted the 2027 Obamacare prices on October 30, and the headlines all say the same thing: up again, by double digits. That is true for the price on the label. But almost nobody who gets a tax credit pays the price on the label.

So the same day the prices came out, we did something no headline can do. We re-priced the 2027 plans of almost 7,000 families we help, more than 13,000 people, using the 2027 prices the government published: the plan each family would be renewed into, the same income, everyone one year older. Here is what we found.

The short version

• The full price went up about 14 percent. That is the price before any tax credit.
• The tax credit went up too. For the typical family, the bill after the credit did not change at all.
• 6 in 10 families will pay the same as this year, or less. About 4 in 10 still pay $0.
• But nearly 1 in 4 will pay at least $25 more a month, and about 1 in 10 at least $100 more.
• Who pays more depends mostly on your plan. Some companies raised prices much more than others.
• Open Enrollment runs November 1 to January 15. Pick a plan by December 15 and it starts January 1.

The price on the label: up about 14 percent

For the typical family, the full monthly price of the same plan went from $1,105 in 2026 to $1,266 in 2027. That is about 14 percent more.

About 11 points of that is the plans themselves getting more expensive. The other 2 points or so come from everyone being a year older, because health insurance costs more as you age. KFF, a health research group, found that the benchmark plans in HealthCare.gov states went up 11 percent on average for 2027, so our families look a lot like the rest of the country.

Why are prices up? Insurers point to rising hospital, doctor and drug costs. They also say many healthy people dropped their coverage after the extra tax credits ended in 2025, which leaves a sicker, more expensive group behind.

What families actually pay: for most, about the same

Here is the part the headlines miss. The tax credit grew along with the price. For the typical family, the credit went from $1,068 a month to $1,213. For every $100 of premium, the credit pays about $95.

• The typical family's bill does not move. For the family in the middle, the change is $0.
• 6 in 10 pay the same as this year (within $5) or less. Almost 1 in 5 will pay less.
• About 4 in 10 still pay $0 a month, nearly the same share as this year.
• It goes both ways. About 1 in 12 of our families would go from paying something to paying $0. About 1 in 10 would go from $0 to paying something, usually about $37 a month.

But nearly 1 in 4 will pay at least $25 more

• Nearly 1 in 4 families will pay at least $25 more a month.
• About 1 in 10 will pay at least $100 more.
• About 1 in 20 will pay at least $200 more.

Because of this group, the average bill after the credit goes from $45 a month to $69. The average goes up even though the typical family pays the same, because a smaller number of families face big jumps.

The government says more than 3 in 4 people on HealthCare.gov can find a plan for $50 a month or less in 2027. That is about finding the cheapest plan, not keeping yours. Among our families, the plan they would be renewed into costs $50 or less for about 6 in 10, down from more than 7 in 10 this year. A $50 plan may be out there. You may have to switch to get it.

Why your neighbor pays the same and you pay more

Your tax credit is tied to one plan in your area: the second-cheapest Silver plan, called the benchmark. The government decides how much of your income you should pay for that plan, and the credit pays the rest. When the benchmark goes up, your credit goes up with it.

• If your plan went up about as much as the benchmark, or less, your bill stays about the same, or even goes down.
• If your plan went up more than the benchmark, you pay the difference. All of it.
• The share of income you are expected to pay went up a little. It runs from 2.10 to 9.96 percent of income for 2026, and from 2.15 to 10.22 percent for 2027.
• If your income is above 4 times the poverty line, there is no credit at all. You pay every dollar of the increase. For 2027 coverage that is about $63,840 a year for one person, or $132,000 for a family of four.

Silver plans saw the most change. For our families on Silver, the typical bill goes from $46 to $63 a month. On Bronze and Gold, the typical bill stays at $0.

Where we saw the biggest jumps

These are the typical changes for our own clients' plans, by company. Your plan, county and age can be different.

• UnitedHealthcare: full price up about 28 percent in Texas and 31 percent in Florida. The typical client pays about $95 more a month in Texas and $122 more in Florida.
• Florida Blue: up about 19 percent. The typical client pays about $89 more a month.
• Oscar in Arizona: up about 37 percent. The typical client pays about $173 more a month.

And where families barely felt it:

• Ambetter in Florida: up about 6 percent. The typical client pays about $8 less.
• Blue Cross and Blue Shield of Texas: up about 12 percent. The typical client pays the same.
• Oscar in Florida: up about 13 percent. The typical client pays about $10 more.
• Wellpoint in Texas: up about 19 percent, and the typical client still pays the same.

Texas and Florida are not the same story. In Texas, the typical client still pays $0, and about 3 in 4 pay the same or less. In Florida, the typical bill goes from $36 to $47 a month, and about half pay the same or less.

Your plan may change even if you do nothing

If you do nothing, the Marketplace renews you automatically. That keeps you covered. It does not check your price.

• About 3 in 4 of our families keep the same plan.
• About 1 in 5 are moved by the Marketplace to a different plan from the same company, because their plan is being replaced.
• About 1 in 40 are moved to a different company. Cigna is leaving the individual market in all 11 states where it sells, so every one of our Cigna clients is being moved to another company.

Two more 2027 changes that can change your price

• There is no longer a limit on paying back extra tax credit. Starting with your 2026 taxes, if you earn more than you told the Marketplace, you pay back all of the extra credit when you file. Give your best real estimate of your income.
• New rules for immigrants. Starting in 2027, among lawfully present immigrants, only green card holders, Cuban and Haitian entrants, and people from the Compact of Free Association nations can get the tax credit. Refugees, people granted asylum and some others lose it. Our numbers above assume your credit stays as it is. If this rule applies to you, your price can be very different, so call us before you choose.

What to do now

• Already our client? We have already done the math for most of our families. Your 2027 quote is waiting for you. Call us and we will go over it with you, and check whether another plan costs less or fits your doctors and medicines better.
• Want to see prices yourself? Compare 2027 plans and prices in our quote tool. You do not have to give your name or phone number.
• Call us at (800) 305-7709, or send us a message on WhatsApp. This Open Enrollment we answer later and on Saturdays: Monday to Friday 10 am to 8 pm, and Saturday 10 am to 3 pm, Miami time. Texas time is one hour earlier.
• Make sure we are authorized for 2027. It is a new rule, and without it we cannot renew your plan. Here is how to do it.

Open Enrollment runs from November 1, 2026 to January 15, 2027. Pick a plan by December 15 and it starts on January 1. For what to have ready before you call, see Obamacare 2027: what to have ready before enrollment opens.

How we got these numbers

We took every family we help on HealthCare.gov who had a plan in 2026: almost 7,000 households in 16 states, most of them in Texas and Florida. For each one we priced the 2027 plan the Marketplace would renew them into, using the 2027 price files the government published. We used the same yearly income as their 2026 enrollment, and made everyone one year older. "Typical" means the family in the middle.

We did not include states that run their own marketplace, such as Georgia, Illinois, Pennsylvania, Virginia and Kentucky. We did not include any change in your income, your household or your immigration status. These are estimates. Your real price is the one the Marketplace shows when you enroll.

Sources

• Doctor Insurance One, 2027 renewal quotes for almost 7,000 households, prepared October 30, 2026, from the government's 2027 Marketplace price files
• CMS, Plan Year 2027 Marketplace Plans and Prices Fact Sheet, October 30, 2026, for the $50 figure and the enrollment dates
• KFF, 9 Things to Watch for the 2027 ACA Open Enrollment Period, October 30, 2026, for the benchmark increase, Cigna leaving and the immigrant eligibility rules
• Peterson-KFF Health System Tracker, How much and why ACA Marketplace premiums are going up in 2027, updated August 3, 2026, for why insurers raised prices
• IRS, Revenue Procedure 2026-26, July 2026, for the 2027 share of income
• HHS, Poverty Guidelines, 2026, used for 2027 coverage
• IRS, Repayment caps eliminated for excess advance payments of the premium tax credit
• CMS, Guidance on noncitizen eligibility for tax credits, plan year 2027
• HealthCare.gov, Dates and deadlines

We are a licensed insurance agency, not the government or an insurance company. Prices and rules vary by county and change from year to year, and nothing here is a quote for your household. HealthCare.gov is the authority on your own situation. Sources consulted October 30, 2026.