Fifty insurers are looking to lower premiums on an ACA marketplace in 2025, according to an analysis from Peterson-KFF.
In 2025, 324 insurers are offering ACA coverage across all 50 states and Washington, D.C. Among them, the median proposed premium increase is 7%, similar to 2024.
The proposed rates are preliminary and could change during rate review processes, but states are currently finalizing rates.
In their rate filings, insurers mentioned inflation, and the increased usage of weight loss and other specialty drugs as trends that are influencing premiums. Lingering COVID-19 costs and Medicaid redeterminations are having little effect. Celtic and Ambetter are Centene companies.
50 payers lowering ACA premiums in 2025:
- Celtic (Delaware): -14.0%
- Ambetter (Health Louisiana): -12.6%
- Taro Health (Plan Oklahoma): -12.4%
- Celtic (Oklahoma): -8.2%
- Molina Healthcare (Nevada): -7.8%
- Celtic (Alabama): -7.3%
- Celtic (Missouri): -7.2%
- Molina Healthcare (South Carolina): -7.0%
- Celtic (New Hampshire): -6.2%
- Centene Health Net (Arizona): -6.1%
- Medica (Missouri): -5.5%
- Medica (Iowa): -5.3%
- Oscar (Iowa): -5.0%
- UnitedHealthcare (Louisiana): -4.6%
- Avera Health Plans (South Dakota): -4.5%
- Centene Buckeye Plan (Ohio): -4.4%
- Oscar (Arizona): -4.4%
- Celtic (Illinois): -4.1%
- Imperial Insurance (Nevada): -3.4%
- Celtic (Texas): -3.2%
- Anthem BCBS (Indiana): -3.1%
- BCBS (Alabama): -2.6%
- Medical Mutual Paramount Insurance (Ohio): -2.6%
- Imperial Insurance (Arizona): -2.5%
- Oscar (Nebraska): -2.1%
- Molina Healthcare (Mississippi): -2.1%
- Medica (Missouri): -1.8%
- Community First (Texas): -1.7%
- Centene Absolute Total Care (South Carolina): -1.6%
- Molina Healthcare (Utah): -1.5%
- AmeriHealth Caritas (North Carolina): -1.3%
- UnitedHealthcare (Tennessee): -1.3%
- AmeriHealth Caritas (Florida): -1.2%
- Montana Health Cooperative (Idaho): -1.1%
- UnitedHealthcare (Oklahoma): -1.1%
- UnitedHealthcare (Mississippi): -1.0%
- BCBS (Tennessee): -1.0%
- Imperial Insurance (Texas): -0.7%
- Sentara Health Plans (Virginia): -0.7%
- Sendero Health Plans (Texas): -0.6%
- Community Health Choice (Texas): -0.5%
- AmeriHealth Caritas Select Health (South Carolina): -0.4%
- UnitedHealth's Optimum Choice (Virginia): -0.4%
- BCBS (South Carolina): -0.3%
- BCBS (Louisiana): -0.2%
- Oscar (Oklahoma): -0.2%
- Molina Healthcare (Texas): -0.2%
- Centene QCA Health Plan (Arkansas): -0.2%
- Ambetter (Mississippi): -0.1%
- Christus Health Plan (Louisiana): -0.1%