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California 2027 ACA Individual Market Rates

California’s 2027 ACA individual market filings show single-digit rate increases, well below the national trend. That matters for employers considering ICHRAs because employees use the individual market to choose coverage that fits their needs.

ICHRA adoption is already gaining traction in California. California is Remodel Health’s #2 state for companies using an ICHRA and ranks in the top 10 for members enrolled.

For brokers, that creates a strong 2027 story: a more favorable individual market, growing ICHRA adoption, and another option to bring to clients at renewal.

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What does California’s rate outlook mean for brokers?

California’s 2027 rate environment may create a stronger opening for ICHRA conversations. While many employers assume the individual market is too expensive or too volatile, current California filings suggest a more favorable picture heading into 2027.

A more competitive individual market

More moderate rate movement can make individual coverage more viable for employers evaluating alternatives to traditional group plans.
A more competitive individual market

A stronger ICHRA conversation

California is already Remodel Health’s #2 state for companies on ICHRA, showing that employers are actively using the model.
A stronger ICHRA conversation

More predictable employer budgeting

Employers set the amount they contribute toward coverage, creating a defined-contribution approach to health benefits rather than simply absorbing each group renewal.
More predictable employer budgeting

And adoption is accelerating

ICHRA enrollment has surpassed 500,000 nationally, and large-employer adoption more than doubled year over year.
And adoption is accelerating

California’s rate environment gives brokers more than good news to share. It creates a stronger foundation for ICHRA, giving employers more control over costs and employees more choice in coverage.

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2027 ACA individual market rates by state

On-exchange markets

The chart below breaks down 2027 ACA individual market rate filings by state, current monthly premiums, proposed rate changes, and carrier participation for on-exchange marketplaces.

Note: Remodel Health compiled the data in this chart from preliminary 2027 individual market rate filings. Figures reflect proposed rate changes across plans, rating areas, carriers, and on- and off-exchange coverage. These filings reflect insurers’ requested rates rather than final consumer premiums; state regulators may modify them before setting the official 2027 rates.

Off-exchange markets

The chart below details current plan costs, proposed premium rate increases, and insurance carriers for the off-exchange market in 2027.

Note: Remodel Health compiled the data in this chart from preliminary 2027 individual market rate filings. Figures reflect proposed rate changes across plans, rating areas, carriers, and on- and off-exchange coverage. These filings reflect insurers’ requested rates rather than final consumer premiums; state regulators may modify them before setting the official 2027 rates.

On- and off-exchange markets

The chart below examines participating insurers, available plans, and the preliminary rate changes for the combined on- and off-exchange markets in 2027. The data includes plans offered on both exchanges, as well as policies offered exclusively on one exchange but not the other.

Note: Remodel Health compiled the data in this chart from preliminary 2027 individual market rate filings. Figures reflect proposed rate changes across plans, rating areas, carriers, and on- and off-exchange coverage. These filings reflect insurers’ requested rates rather than final consumer premiums; state regulators may modify them before setting the official 2027 rates.

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Are you ready for 2027 individual market changes?

2027 rate filings offer an early look at what employers and employees may encounter during Open Enrollment Period. But while national premium trends are useful general information, they don't show what employees will actually pay. As Open Enrollment approaches, employers should monitor finalized premiums in the markets where their employees live, reexamine their ICHRA contributions, and remind employees to review their 2027 coverage.

If you offer an ICHRA through Remodel Health, we can help you design a personalized benefit strategy, understand local market options, and prepare employees for Open Enrollment. Schedule a call with us today to get your ICHRA benefit ready for 2027.

Note: This page was last updated on August 26, 2026. Individual market rate filings are ongoing, and proposed rates can change as state regulators review and approve final numbers. Remodel Health will continue updating this page as states finalize their 2027 rates.

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