If you retired before 65 and buy your own health insurance, I’ve got a number for you: 15%.

That’s the median premium increase 276 insurers in all 50 states and D.C. want for 2027 Obamacare plans, according to a KFF analysis updated Aug. 3. Last year they asked for 18% and got 20%. Year two of double-digit hikes, and the first one hasn’t finished hurting.

Because here’s the part that makes 2027 different from every other bad year: The cushion is gone. The enhanced premium tax credits Congress passed in 2021 expired Dec. 31, 2025. KFF figures that alone pushed the average enrollee’s out-of-pocket premium up 58% in 2026.

If you’re 55 to 64 and…

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