What is the median proposed premium increase for small businesses with ACA-compliant plans in 2026?

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Family coverage premiums hit $25,572 in 2025, up 11% from $23,028 in 2024—the sharpest annual jump since 2011. Workers paid $6,296 on average for their share (24.6% of total). Large employers increasingly steer families toward high-deductible plans or spousal carve-outs (denying coverage if a spouse has access elsewhere) to cut costs. The National Women's Law Center found these tactics disproportionately burden working mothers, who typically coordinate family healthcare.

What is the median proposed premium increase for small businesses with ACA-compliant plans in 2026?

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