In our earlier analysis of 2023 insurer rate filings, we found that insurers cited rising prices and rebounding utilization as driving the bulk of these premium increases. The vast majority of Marketplace enrollees receive a subsidy and therefore are largely shielded from these increases, though, as we discuss more below, they may need to switch plans to take full advantage of the subsidies.
State average benchmark premium changes range from a drop of -18% in Virginia to an increase of +15% in New Mexico. Heading into 2023, we estimate that ACA Marketplace benchmark premiums are increasing an average of 4% across all 50 states and DC (which is similar to government estimates of premium changes in just the states that use ). Unsubsidized premiums will increase more than in past years Even after a decade of operation, there continue to be changes in these markets. This year’s open enrollment season will last from Novemto Januin most states, longer in some state-based marketplaces. The 2023 Affordable Care Act (ACA) Open Enrollment period marks the tenth year of Health Insurance Marketplaces opening their doors to new enrollees.
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