Health insurers selling plans in New Jersey's Affordable Care Act market are proposing double-digit rate increases for 2026 because of rising health care costs and the expected end of federal subsidies, according to filings with the New Jersey Department of Banking and Insurance. Horizon Blue Cross Blue Shield of New Jersey, the biggest insurer in the marketplace, is proposing an average increase of 17%. AmeriHealth Insurance Co., the second biggest, is proposing an average rate hike of 15.5%. UnitedHealthcare Insurance Co. is proposing an average increase of 18.4%.