Your Health Insurance Premiums Could Jump 14%+ in 2027
Private health plans can give you better doctor networks and better rates. See how much you could save — free, personalized cost assessment in 60 seconds.
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14%
Median proposed ACA premium increase for 2027
KFF
$2,065
Average annual increase for New Yorkers
HCFANY
22.4%
Washington State's proposed rate hike
WA OIC
9%
Projected medical cost trend for group plans
PwC
Why Your Premiums Are About to Spike
Soaring Medical Costs
Hospital and drug spending are climbing faster than wages, driving insurers to raise rates.
ACA Subsidy Cuts
Enhanced subsidies have expired, meaning many families will pay the full increase out of pocket.
Shrinking Networks
ACA plans increasingly restrict doctor choice, limiting access to the care you need.
ACA Marketplace vs. Private Health Plans
| Feature | ACA Marketplace | Private Health Plans |
|---|---|---|
| Doctor Networks | Limited, narrow networks | Broader, preferred provider networks |
| Monthly Premium | Rising 14%+ in 2027 | Often lower with better coverage |
| Wait Times | Longer for specialists | Priority access, shorter waits |
| Flexibility | Restricted to exchange plans | Customizable to your needs |
The Covered by Keith Advantage
Better Doctor Networks
Access top-tier providers and hospitals ACA plans often exclude.
Better Rates
Private plans can cost less than ACA premiums, especially for 1099 professionals.
Personalized Strategy
We compare 30+ carriers to find the plan that fits your life.
30+ State Coverage
Licensed in 30+ states, so we can help wherever you are.
Don't Wait for Open Enrollment
The 2027 rate increases are coming. Find out if a private plan can save you money before November 1st.