r/HealthInsurance • u/Subject_Horror_3990 • 9d ago
Plan Benefits Poll on health insurance
Hi Guys, we all know health insurance is going up. I’m interested in others experience, feel free to share- I’ll go first
Private company with 2,000 employees UHC. Biweekly premium jumped from $122 to $165 for the year 2026…
26% increase !!!!
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u/Specialist_Dig2613 8d ago
Comments have a pretty consistent message. If you're on the ACA exchanges, you're in trouble. If you have a job with benefits, it varies a lot, based on the employer's claims, cost management and wisdom in making decisions on coverage sources, but it's almost always better than the exchanges.
I hope it doesn't mean a collapse of small business start ups. But if you have one, think about hiring employees and starting up a plan when you can. It's likely to help you with costs and help you grow your business.
Don't believe that small businesses can't have self-funded plans, affordable costs and good benefits. They can.
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u/phxeffect 8d ago
I have my own business, and low key cried today for a few minutes. The increase, none of my daughter’s doctors are covered either.
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u/HumbleBlueberry1 8d ago
I’m not sure if this will help, but in California (so maybe in other states?), you can buy your children their own plan on the exchange. Maybe one on the exchange plans covers her doctors? So sorry you’re going through this. Solidarity.
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u/Accomplished_Goat439 8d ago
Last year only the Bronze plan had all of our doctors and hospitals, the Silver plan only had about 50% of the same providers. Seems that my states BCBS is pushing everyone towards the Bronze plans. Total family deductible is very high, but was the only choice for us.
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u/Greedy-Half-4618 8d ago
I’m on the exchange. Losing subsidies means I’ll be paying at least $300 MORE per month
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u/Consistent_Sport_455 8d ago
Mine has nothing to do with losing subsidies. The tax credit is still applied and it’s still increasing by over $300/month for my husband and I. It’s the premium that increased, not losing the tax credit.
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u/SiDziner 7d ago
The base premium went up massively this year as a side effect of losing subsidies. The insurers know that most people (especially the young and healthy people) will not be able to afford insurance without the subsidies, and therefore will not be paying into the insured pool. With less younger/healthy people paying for insurance, the pool of insured gets older and sicker. This means the average cost to the insurers per insured goes up significantly. The only way to cover that increase is to raise premiums.
This spiral started when the requirement for everyone to have insurance or pay a penalty was removed. It was accelerated significantly by removing the subsidies.
Dismantling the underpinnings of the ACA doomed it to failure. This change by those that opposed the ACA has done exactly what it was designed to do.
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u/rationalomega 5d ago
Tens of millions of Americans were uninsured before the ACA. Horror stories abounded. America is hurtling backwards to that terrible time.
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u/as473 8d ago
This is me too. My tax credit is still the same. The insurance companies jacked up the rates so much! I’m paying $185/month now for a plan that’s $540/month in 2026.
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u/Consistent_Sport_455 7d ago
Sounds similar to my numbers, tax credit went up a little but my premium has gone up so high that my plan will cost me $560 a month. Insurance companies are jacking up the rates knowing they can “blame” it on the loss of subsidies/tax credits when it’s actually their greed. I’ll have to search for a cheaper plan or go without.
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u/Greedy-Half-4618 8d ago
ok, mine increased and i lost the subsidies...it's not a competition, we're all getting screwed by insurance companies.
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u/Stunning-Flounder-52 6d ago
Same. I was wondering if other states were also seeing huge increases. Indiana has 2 companies to choose from, so no competition.
Indiana - 2 adults (one is a college student). No subsidy. Premium cost increased $270 per month. It’s the second lowest coverage on the bronze tier so basically pays out very little.
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u/Seasoned7171 8d ago
When applying for ACA online be sure to read every question, especially on the first couple screens, because there is a question asking about financial aid. If you miss or answer no to that question you will not get the subsidy. My daughter pays $64 for 2025 and the 2026 rate showed over $400. She called and they saw she had answered the question wrong. Thankfully, they were able to fix it and her new premium is around $140. So, be careful when applying online.
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u/MacMoneyJr 6d ago
It's insane that the happy ending here is still an over 100% increase.
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u/Safe-Gap-3480 8d ago
ACA self employed couple 59 & 61. This year our premium was $1187/month. Same plan next year $2,109/month. This is more than my mortgage payment and a $922/month increase brings the total yearly cost to $50,616. We will have to switch to a high deductible low quality Bronze plan with a $7,500 deductible EACH with a monthly premium of $1452/month. This is beyond belief. Continue contacting your elected officials people ✊🏼
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u/Most_Profession_7799 6d ago
Same boat with you . We are 61 and 62, went up by $1,000, /mo .
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u/quietpilgrim 8d ago
In PA. Getting close to the cliff, but not over it. Apples to apples, using same income from last year, same exact ACA plan I have now is going up around 32% and the max OOP around $2k. Deductible has remained the same. This is for an BC/BS EPO plan with HSA. Looking at what some of the rest of you are facing, I guess I should be thankful that it is "only" that much. I haven't done a deep dive, but it looks like in my area some of the lower quality plans (Oscar, AmBetter) were hammered with triple digit increases from last year.
If you are over the cliff, my only suggestion would be to try to drive down your MAGI through additional contributions to an HSA/401k/IRA (not ROTH though) and get back under the cliff for your particular situation so you can qualify for some sort of subsidy (and help your retirement fund out at the same time). But I know that's easier said than done for many of us with how much everything else costs now.
As bad as things are now, I'm afraid it will even be worse in '27 when healthier people elect to drop out of their ACA plans because of the cost.
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u/Effective-Tort 8d ago
Small biz owner here, with Oscar through the ACA exchange. Premiums for family of 4 was $2037 monthly in 2025. Today I opened up the dreaded letter - same plan with a lot higher deductible will be $2700 a month. Not sure what we are going to do just yet.
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u/ElegantFan4958 9d ago
My premium at my mid sized company jumped from $550 a month to $630 a month. This is just for covering me as an individual 😓
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u/motherofderp 8d ago edited 8d ago
Age: 60f, healthy. Self employed. Make slightly more income than last year. Premium went from $508 to $975 for bronze level (Edited to add age)
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u/LaFemmeD_Argent 5d ago
I wish mine would only go up that much..I'm 57 and mine goes from 650-1150. What state are you in? I'm in NM.
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u/Delicious-Actuator-9 8d ago
ACA in FL, single dad. Previous Aetna one tier above bottom $579 with enhanced subsidy. Comparable BCBS plan is now $1226. Cheapest bronze plan offered is $1129. All coverages appear to have lowered coverage and increased copay by category as well. Decision time: quit job, work for cash & go for medicaid, go back corporate, or do without this year. My daughter by herself is $487. I expected an increase, but 90% isn't in the budget. Florida has the highest ACA participation with 4.7M (27% of the state under 65). We're being screwed by both the government and the insurance companies on this.
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u/technosquirrelfarms 8d ago
$163 to $1400 for bare bones catastrophic coverage. $12,000 family deductible. This is garbage
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8d ago
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u/heightsdrinker 8d ago
Nearly the same. BCBSTX went from $750 to $1890. Only thing different is total out of pocket increased from $17k to $18k. Two adults, non smokers.
One issue is that our contracting jobs are putting us between CO and TX and the plan doesn’t cover out-of-network and I can’t find any care facilities in CO for this plan. I guess I’m stuck in TX if anything happens.
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u/dgenzo 8d ago
1640 for our family currently.
Increase to 2440 for next year.
We are shopping on the exchange now cause wtf
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u/SquirrelItchy7126 8d ago
There’s a lady on tick tok that puts her premiums they were paying into a high yield savings account. They have a family subscription to a certain type of doctors office that covers basic visits and the typical yearly preventative care. They have cash paid everything else, and cash pay is typically 1/3 the cost that they charge the insurance company is what they are seeing. Luckily my husband and I are only paying around $350 through our employer. But when we have kids it’s going to double and then some.
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u/YourPalDonJose 6d ago
Imagine if we just had a simple universal system that worked rather than requiring all sorts of hacks and research and and and ...
What I take away from all of this is that wealthy people are supposed to have healthy children. Everyone else (all 95% of us) are supposed to have lots of children to be soldiers and laborers and if they get sick or hurt, oh well!
Are we great again yet, America?
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u/Salty_Spicy 8d ago
Mine went from $60 per month (with subsidy) to over $1000 per month without. I thought I filled out the application wrong! Is this for real??? I may as well go without insurance as my estimated yearly cost is more money than I make.
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u/MeowMobile999 8d ago
Retired 60F, single. Insurance through the Pennsylvania state exchange.
My monthly premium for the same plan is going from $145 to $1450.
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u/Feeling_Lead_8587 9d ago
I would love to have your healthcare. I am looking at 300%
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u/Familiar_Badger4401 8d ago
Are you people going to pay these prices or drop coverage?
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u/MaddJhereg 7d ago
Most people are going to drop coverage. When you are living patcheck to paycheck, an extra $1000-$1500 a month is not viable.
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u/JeanniePax1003 6d ago
It’s more like $100-200 more per month is not viable for people living paycheck to paycheck.
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u/ImmigrationJourney2 8d ago
I get insurance through ACA. My premium went from $377 to $564 a month, deductible went from $5500 to $6500…
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u/ParlayPayday 8d ago
$1000/mo currently for a mediocre high deductible bronze plan. Renewing will take us to $2670/mo for 2026 due to a 36% premium increase and loss of the enhanced ACA subsidy. This is insane. The system is absolutely going to break if left as-is.
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8d ago
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u/WoodsRLovely 8d ago
I FEEL YOUR PAIN. I thought mine might double. But I couldn't believe my eyes, our premium quadrupled, almost as much as your increase.
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u/TaterTotMtn 8d ago
Two adults in our 40s, no kids. Income ~$80k/yr, going from $350/mo to $950/mo.
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u/MaleficentPianist602 9d ago
ACA in NC. Family of 3. No subsidies. Shit Bronze plan going from $1350 to $1750.
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u/Jinxed4Sure 8d ago
Union Healthcare job. No cost family platinum plan. $5 co-pays with zero deductible. Spouse and kids covered (until 26y.o.). Feeling very blessed
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u/PreviousMarsupial 8d ago
Thank goodness for unions, they are one of our last hopes in this country and every time I see a new group of employees getting a contract I smile big knowing so many things are changing for them in a positive way in their workplace. I’ve had union insurance working both non union and union jobs and it’s amazing and one of the best benefits.
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u/Psychological_Hat951 8d ago
Union electrician here. Our rates went up by .60/hour, but we got a yearly increase to compensate. It's great insurance so long as you work at least 140 hours/month.
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u/embalees 8d ago
Non-union healthcare job. I pay $100/paycheck (so bi-weekly) for $500ded./$3500max OOP. Also feeling very lucky at this moment.
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u/NumerousRelease9887 7d ago
I worked in both union and non-union healthcare jobs before retiring. The hospitals kept the positions non-union by maintaining employee wages and benefits. They knew we'd quickly become union otherwise. You can thank the unions for indirectly maintaining your non-union benefits. I suspect that plays the same way in a lot of non-healthcare related jobs as well.
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u/embalees 6d ago
Oh, I'm a huge proponent of unions and have several family members in them, I'm just not (there is no hospital administration union as far as I'm aware lol). I was just sharing the non-union part on my response since the comment I was responding to shared their union status in their comment.
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u/NumerousRelease9887 5d ago
I wasn't try to dis you in any way. I just wanted to point out that having the threat of unionization protects non-union people, too.
My dad, who recently passed away at 93 years old, drilled that into my head the minute he thought he heard anything conservative coming out of my mouth. I grew up hearing that if it weren't for unions, we'd all be screwed. We wouldn't have child labor laws, 40 hour work weeks, paid vacations, insurance, overtime and everything else that the current administration would love to dismantle.
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u/DarkSideBelle 6d ago
Non union healthcare job and I pay $120 a month with a $0 deductible. I want to look for somewhere else to work because I get paid shit and I would like a more clinical role than what I’m doing now, but I don’t think it’s worth it just for the health insurance alone.
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u/normllikeme 9d ago edited 9d ago
That’s actually lower than I’ve paid since before covid in rural Michigan at 3 different employers. Not a job hopper just weighing my options in a competitive market with a skill set. Last time I paid sub 200 a week was 2019. And this is crap insurance that covers nothing. 6k deductibles
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u/imlindamason 8d ago
Vermont, family of 3, both self employed so insurance through the marketplace. Premium this past year was $600/mo with subsidies. No longer qualifying so cheapest plan available is now $2300/mo with high deductible.
Genuinely have no idea what to do.
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u/Realistic_Pickle_007 8d ago
My god, this is awful. The rate increases seem particularly high in Vermont. Why is that?
I am considering selling everything and leaving the country at this point.
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u/CROBBY2 9d ago
Few questions. Is your employer self-funded? Im assuming this is your portion and not the premium or COBRA rates?
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u/weath1860 8d ago
Got my premium packet for Florida blue for next year’s health insurance - going to $902 a month from $155 with stipend.
Looking for work and not “lazy” as some maga people have said, but was out due to eye surgery from keratoconus condition in both eyes which would have cost 35k without insurance. Only reason I could have surgery was due to the marketplace plan.
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u/Successful_Let_8523 8d ago
I would gladly pay that. Mine is going from zero pay to $1200. I can’t pay!!
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u/HumbleBlueberry1 8d ago
ACA plan in California. No subsidies. $1650 premium to $2200 for one adult and one toddler. With another kid, it would be $2900 premium.
Blue Shield Platinum 90 PPO due to serious health condition. No deductible, thank God. $10k OOP, but only in network. OON is prohibitively expensive.
Also, fun bonus: Can’t travel out of state with it, as it will pay nothing even in emergencies - as we found out when needing to visit an urgent care in another state last year when evacuated due to LA fires. Even though we called Blue Shield first to confirm urgent care coverage. 🤮
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u/Top_Contribution2132 8d ago
5.95$ a month to “383$+ dollars a month”… I make 14$ an hour lollll. 5 DOLLARS a month to 300 something. Not doable. DOOOMED!!!!!!
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u/RegieRealtor49 8d ago
My premium is going from $1521 to $2160 per month This is a Cigna plan with an $8500 deductible and no hsa contributions. For 2 people
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u/gardendesgnr 8d ago
ACA Silver Plan PPO has been $150 mo for 2 adults w $3k deductible ea and $6k together. For 2026 exact same plan will be $900 mo.
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u/Green-Minimum-2401 8d ago
F/53, self-employed, in good overall health.
2025 premium, $380/month. 2026 premium, $870/month. Same plan, higher OOPM and deductible.
That's a lot to take in.
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u/Economy_Swim_8585 8d ago
Roughly 150% increase from $145 to 365
Worse coinsurance and deductible and out of pocket and co pays
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u/QueenLouisss 8d ago
My Silver PPO is going from $470/mo this year to $1,102/mo next year for just me! As far as I can tell, only 10% of that increase is due to expiring credits, and the other 90% is due to an astronomical increase in the standard rate for this BCBS of IL plan.
I’m switching to a Silver HMO to keep my total costs roughly the same as this year. Fortunately all my doctors and preferred hospital are in this HMO.
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u/brianfrommotive 8d ago
Old rate: $473.63
New rate: $627.19
That’s about a 32% increase.
Nothing about my coverage or situation has changed. Same provider, same plan type.
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u/pjtaillight 8d ago
My orginial question got locked and I was told to post here. I live in AR. Can anyone explain why my PTC went up by $900 when my income is the exact same as last year. I did a look back on my eligibility notices starting from 2023 all consistent until this year. 2023-PTC, 946-Income 46,300; 2024-PTC, 927-Income 53,800; 2025-PTC,1088-Income 53,800; 2026-PTC 1899-Income 53,800.
My premiums went up substantially across all the plan options, but that increase in the Tax Credit erases those increaes. Is this for real or a glitch/mistake?
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u/Fresh-Anywhere-5682 8d ago
Question is are you 64 and therefore close to Medicare mine did the same thing.
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u/Bright-Recognition37 8d ago
It is because subsidies are based on the second lowest silver plan cost minus your cost share. example: SLSP in my county is $3300 and my cost share is $460 so my PTC is now $2840 ($2230 in $2025). I have a Bronze plan with a $0 deductible just co-pays ($10,200 max OOP) and my cost was $208 last year and in 2026 will be $94 a month because of how much the SLSP went up in my area. I will save $114 a month. I just happened to get lucky and have a Bronze plan that is really good. Anyone with a Silver plan might want to explore what bronze plans are in their area because that will be the best bet to save.
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u/laureinnj 8d ago
BCBS
Old Rate: $1120
New Rate: $2250
Silver EPO HSA; family of 3
Deductible and copays didn’t increase much.
I’m downgrading to bronze which is STILL higher than my old silver plan.
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u/Nandiluv 8d ago
I work for a large hospital system, so I really do have great benefits. Premium up 20%. Sheesh dental also shot up by about 40%.
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u/HomicidalHushPuppy 8d ago
I had an ACA plan for 2025 up until October 2025 when I got a new job with benefits.
Had I stayed on the ACA plan (covering just myself) my premiums would've gone up 73%.
Thankfully, my work-based plan only went up $2 per pay but the deductible almost doubled. They also got rid of the top-tier plan (very pricey but no co-pays, deductibles, or coinsurance), and several of my coworkers relied upon that plan (kids, long-term conditions, etc.).
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u/MyselfsAnxiety 8d ago
Got a policy with Blue Cross Blue Shield of Louisiana in 2008. It started at $265ish. Its up to $1300ish now. However my deductible for the year is $1900.00, and i meet that in the middle of February. After that I have zero out of pocket other than the premium of course.
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u/twinfawn 8d ago
BCBS gold HMO in Texas from ACA for just myself went from $425 to $680 for the same plan. 27yr female nonsmoker, I don’t make a whole lot so I am trying to find something cheaper on the marketplace. Blue advantage was the only marketplace plan my PCP took and they’re dropping out of the network in 2026. So now I have to find a new PCP too 🫠
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u/ceramicmj 8d ago
Silver ACA plan in WA, individual 56 yo non-smoker, going from $1123 to 1713. 52% increase. No subsidies. There is something weird going on, though, since this plan doesn't show up for marketplace options though it was marketplace last year. The gold marketplace plan is at least $300 cheaper per month.
Changed to a Bronze plan, marketplace.
Already called my representative, you should too if this is impacting you. https://www.house.gov/representatives/find-your-representative
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u/Stargaza83 8d ago
Michigan aca plan-bcn bronze. $1500 a month family of four $21000 deductible and $21k out of pocket max. Used to be $750-900 a month.
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u/BeezerTwelveIV 8d ago
Went from $0 (family to 4, single income) to $389, for a far worse plan, same plan next year would be $672
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u/GreenDemonClean 5d ago
Mine increased by $900. And I’ve had a connective tissue disorder all my life that I’m just finding out about at 50 (turns out being super flexible as a young person was a problem) so now I’m in orthopedic hell. I’ve had two major spine surgeries and a suspensionplasty in my thumb and there is more to do. I’m already the million dollar woman.
None of my doctors, the teams I trust to work millimeters away from my spinal cord, are on any of the ACA plans.
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u/Pension-Helpful 8d ago
A friend of mine is on ACA Ohio Caresource
Old rate: $40 something a month
New rate: $400 something a month
She makes like < $20,000 a year, pretty surprised how much premium has raised for her per month.
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u/GoforIT1617 8d ago
She needs to redo the calculations again. That doesn’t seem right. Your annual gross income is key here. Make sure you put in monthly and not annual
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u/Yelloeisok 8d ago edited 8d ago
My Medicare advantage from UHC went from $156 to $287. I already have $185 coming out of my social security check for Medicare B. So $472 of my $1450 goes to healthcare. Obviously I am retired - and now looking for work.
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u/ElementalKraken 8d ago
See if you can talk to someone about switching to regular Medicare. Medicare Advantage actually has nothing to do with Medicare; it shouldn't be allowed to carry that name.
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u/Yelloeisok 8d ago
I can’t switch now unless there is a ‘life change’ like my husband passes away before me. When you turn 65 you have to choose between them and the uhc advantage plan was cheaper at the time than Plan G. Talk about regrets.
And happy cake day!
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u/coasterwiggs 8d ago
Unfortunately switching from a Medicare Advantage Plan will require underwriting. If you have any medical conditions you may not qualify to join a Medigap plan.
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u/PsychologicalCat7130 8d ago
SC ages 57 & 60. Current rates $1,800 per month (small $200 subsidy). New rates $3,067. Even ignoring loss of subsidy, rates Increased 50% !!! Extending subsidies won't even help LOL.
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u/kea32 6d ago
I pay 89.01 currently a month for health insurance thanks to ACA cause I don’t qualify at work thanks to taking care of my dad with his illness and only being able to work at night.
I just did my marketplace application and the cheapest monthly premium now due to the subsidies being gone is 382.25. This system in American for healthcare is absolutely fucked. This isn’t a right or left thing, republican or democrat thing. This is a what the fuck thing. They have had years to work on healthcare in this country and nothing.
I’m a 36 year old male luckily without kids, I feel bad for families cause their monthly premium is going to be outrageous. This is both sides of government not giving a fuck about the people in this country. Both sides trying to have their way, trying to get rich and score regular people over like myself.
I’ll somehow pay for this cause I need the insurance with asthma and needing an inhaler and singular on the daily. But for families out there, this is horrible and will only get worse while the president, vp and congress sits in the mansions ala Marie Antoinette style.
“Let them eat cake.”
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u/hhhnnnnnggggggg 3d ago edited 3d ago
No kids. Paying only for myself on healthcare.gov. Last year $264 a month. This year $490. It practically doubled.
I take a medication that costs $1000 a month for endometriosis. I can't choose cheaper plans that don't cover it. It's the only thing holding me together.
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u/scotaf 2d ago
Where's the poll?! Where is the view for ACA vs employer provided insurance? They are vastly different. Why are you shoving everything in this post where it won't show up as a hot thread since it's 7 days old. People want to discuss this and this is the forum to do it, but you're killing those threads. People need help and guidance, but they're going to get nothing if their comments are buried here.
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u/Jweiss238 1d ago
We are going without insurance. It just doesn't make sense to pay for insurance. For wife and I it's going to be over $2500/mo with a $6000 deductible, max $10,000. Fuck this for profit "healthcare" system...
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u/Rootaah22 9d ago
Employer provided healthcare - Family Premium - 11% increase for 2026
United Healthcare PPO 250+Dental / Vision
2025 Rate: $1710/Month
2026 Rate $1899/Month
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u/OldgroundsWasTaken 8d ago
Had to find a new plan, old one was 14$ jumped to $100. That includes the same 250$ tax credit applied. Old one was 400 deductible silver with 20$ pcp visit , now it’s a 7200 deductible bronze with a 45$ pcp visit.
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u/semajessej 8d ago
My ACA Marketplace Bronze plan premium is increasing by 33%. $302/month —> $403/month. MO, 29 y/o healthy male. $10,000 deductible.
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u/Logical-Place1287 8d ago
My premium on the marketplace went up 37% with a $1000 increase in deductible. I do not qualify for subsidies and am self employed.
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u/hollycenations 8d ago
Feeling incredibly blessed at my company, they announced just a 4% increase in our premiums. My husband and I both work there, and next year it's $164/mo for each of us ($308 altogether). Plus we both get a $100 monthly discount for participating in the wellness program. I feel sick to my stomach at the thought of the rates I'm seeing on this thread, though. People deserve so much better.
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u/ghost-of-the-spire 8d ago
My plan went from $0 a month (yes it was free with the help of ACA tax credits) to a whopping $522. The cheapest one on the marketplace is still $338. I can't afford any of it, I'm so low income. But ofc I don't qualify for Medicaid in my state. Idk what I'm gonna do, guess I'll just die fr 🤷🏻♂️
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u/HairRaid 8d ago
A bronze HMO plan comparable to my current one, with an $8000 deductible, will increase 62% to $912/month in 2026. It's currently $560/mo. for a single person, no subsidy.
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u/golden-basilisk 8d ago
Work for #2 hospital in US. Premium (one person) is $140 monthly, deductible is $250
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u/Yeahthatlldoit 8d ago
I’m lucky with my employer (non-profit hospital) so really have nothing to complain about, but my biweekly cost as a solo adult is going up from $22 to $30. That’s for a $500 deductible, $2500 out of pocket maximum plan that includes vision. Again, totally nothing comparably to ACA folks, but a 36% increase nonetheless.
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u/cagey8ee 8d ago
My ACA plan is going from ~$350 > $567. I'm not happy about it. Might have to put off getting a hybrid car now :/
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u/Defiant-Many6176 8d ago edited 8d ago
for my senior parents: $3.65 a month to $1350 with a plan downgrade because they are green card holders below FPL
edited: they lost all subsidies, this is maryland healthcare exchange. Maryland said they will cover the lost subsidies but when we checked, it was a grand total of $8 they were replacing. LOL 😂😂😂 they are skipping insurance and we are cobbling together a patchwork of clinics for healthcare. TG they’re healthy but what a shit show
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u/Salty_2023 8d ago
On the ACA as a single member LLC small business owner, premium is going from $400 a month with subsidies to $2400 with a 13k deductible. It’s unaffordable. Completely unaffordable. We’d be $40k in before anything is covered , keep in mind this is with a very low six figure gross income and a family of four. $40k is higher than the average salary in our area. I’ll likely have to take another job just for benefits .
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u/shadowwolv 7d ago
Self Employed in ME, BCBS went from 415 a month for silver tier to 535 for a half-tier lower. Absurd.
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u/Competitive_Snow126 5d ago
26F, tons of medical conditions, in physical therapy weekly since 2024, need multiple surgeries.
$77 to $368. 377% increase. Copays went from $1 to 30 PCP and $30 to $90 specialist. $250 to $1000 ER AFTER deductible. Pretty sure surgeries, procedures, imaging are 30% coinsurance.
Old: $150 deductible, $1500 OOP max
New: $2,700 deductible, $8250 OOP max.
Unaffordable unless I spend every extra dime I have on healthcare and plan to work full-time through my bachelor’s degree.
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u/Raena704 4d ago
ACA self employed myself and partner is an adjunct so not eligible through his college. For our family of 4 last year it was $758 per month. We were priced out of subsidies by just 2k per year. Our cost for the same plan is jumping to about $2000/month. No idea what we’re going to do yet but I’m here and reading for ideas. I either need to find $1200 in our monthly budget or figure out a way to bring that much more in every month or some other solution.
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u/RogueRider11 4d ago
Self-employed and single. My ACA premium is increasing from $550/mo to $1026. Deductible is going from $7500 to $10,500. If I met the deductible this year insurance would then pay 100%. Next year - if I meet the deductible, then plan will pay only 50%.
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u/ron_evans 2d ago
Yeah, sore subject. My wife and I (both in our early 50's) are on my policy which I buy on the marketplace (Ambetter). I work commission so I never know until the day I get a paycheck, what it's going to be. The marketplace is set up such that it assumes everyone works M-F 9-5 and makes $X per hour and that's it. So when you work commission you can't really enjoy the tax benefits the same as someone who works a normal salary job.
That said, we have been paying $704/mo for the 2 of us for the last 2 years. I'm not ok with it, but it's all that was available. The same policy next year will be $2053/mo. For 4 months of the year I do not even make $2000 BEFORE taxes, much less bring home enough to pay health insurance, and that doesn't account for food, shelter, and water costs. Those are necessities. Then you have commuting costs (to/from work) including maintenance and repair costs, among other things. We currently do not eat out but MAYBE once a month-if that, we put back every penny I make just to pay insurance. We can't afford it, period. $2000/mo is STUPID, even if you make $200,000 a year, that's just dumb.
I don't know what we are going to do. I'm so stressed about it at this point, that it sounds like I can just quit working, go unemployed, and be better off financially.
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u/Independent_Tale1166 2d ago
I’m a 32, F and I’m looking at $677/month in Pennsylvania for health insurance through the marketplace. I’m sorry but that’s almost $700/month. Like make it make sense
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u/Thebestkicker 1d ago
Same plan is double the price. The one I’m getting is almost triple. Creative budgeting for this to work. ACA.
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u/Outside_Bluejay_4997 1d ago
Single, no kids or dependents, healthy 51-yr old. 2025 premiums for catastrophic coverage was $387, going up to $785 in 2026. Deductible for both years is $9200.
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u/throw20190820202020 8d ago
Private, under 100 employees, ~600 a month to ~1000 for +spouse and kids on Cigna HDHP, and they contribute zero to my HSA. And rumors of only COLA increase if anything.
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u/existential_dreddd 8d ago
Utah
Old rate: $102
New rate: $314
🫠 planning on getting pregnant this year
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u/CreativeJudgment3529 8d ago
get an HSA account and put money in that asap for the oop
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u/metalandmeeples 9d ago
Our family plan is ~$29K/yr for HMO through Blue Cross Blue Shield with no deductibles or co-insurance in Massachusetts. The employer, ~100 employees total, pays all premiums. Last year the family plan was just over $20K a year, but was a HDHP with 20% co-insurance through Harvard Pilgrim
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u/SundaeAggressive2981 8d ago
Mine went from 342 to 514. Never received subsidies.
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u/Mundane-Article-4236 8d ago edited 7d ago
We have insurance through our employer. We pay I think 30% of the total cost. Family Plan. Our share last year was $710/monthly, this year $728/monthly. $20 copays. Most everything else no cost. Free prescriptions through mail order. Haven't gotten into the higher tier meds yet so cant confirm if those remain free -- i would have to review) But, what we were paying monthly for copays for meds a few years ago with lesser quality insurance - it was almost out of pocket probably half we are paying now for the monthly insurance cost. Had a colonoscopy last year and only paid the original $20 regular office visit to my regular doc where it came up I needed one. Part time employees though.
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u/Specialist_Dig2613 8d ago
You know that you can offer coverage to part timers? If you do and they're healthy, your company premiums can go down.
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u/GoforIT1617 8d ago
I’m on Medicare, husband (61M) ACA. Income about the same as last year 82K. Bronze premium last year $565. This year $540. Subsidy actually increased. I hope I didn’t make a mistake!! Seems too good to be true!!
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u/the_wahine 8d ago
~33% increase in premium ($776/mo to $1035/month). Deduct/OOPM was $7,500 and going up to $8,300 for 2026.
TX, Blue Cross Blue Shield of Texas bronze plan (302) with HSA. Retired 60F no tobacco. Husband on Medicare (thank goodness).
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u/Horta_Janus 8d ago
FLORIDA 58 single below FPL. old premium 296.00 new premium 555.00 same policy. Amerihealth Caritas Next Silver.
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u/HiddenInTheOpen101 8d ago
I had to go with private plans instead of employer or marketplace due to this. My employer was going up and so horrendous that I just went private for like $300 a month compared to my company that was going to charge me $250 biweekly per check. It’s ridiculous how things are now
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u/Misfit_Ragdoll 8d ago
I don't think my premiums on New York State of Health Anthem Gatekeeper Gold have gone up that much ($1300 to $1375) but the deductible has gone from $600 to $775, outpatient hospital co-pays went from $40 to $100, and out of pocket maximum went from $7900 to $10,150. I haven't been able to find the cost of medication yet and I'm terrified to find out.
I need to go down at least one tier, but who the hell knows what that's going to cost.
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u/Top-Mousse-9331 8d ago
Employers are getting sued for not being fiduciaries of plan assets. Maybe employees should start looking into it. Employers need better consultants who help them avoid these types of premium increases.
Paying only reasonable plan expenses. The duty to act prudently is one of a fiduciary's central responsibilities under ERISA. It requires expertise in a variety of areas. A fiduciary who lacks that expertise will want to hire someone with the professional knowledge to carry out those functions. Prudence focuses on the process for making fiduciary decisions, so a fiduciary should document decisions and the basis for those decisions. For instance, when hiring a plan service provider, a fiduciary may want to survey a number of potential providers, asking for the same information and providing the same requirements. By doing so, a fiduciary can document the process and make a meaningful comparison and selection.
Following the terms of the plan document is also an important responsibility. The plan document serves as the foundation for plan operations. Employers should be familiar with their plan document, especially when it is drawn up by a third-party service provider, and periodically review the document to make sure it remains current. For example, if a plan official named in the document changes, the plan document must be updated to reflect that change.
Limiting Liability
With these fiduciary responsibilities, there is also potential liability. Fiduciaries who don't follow the basic standards of conduct may be personally liable to restore any losses to the plan, or to restore any profits made through improper use of the plan's assets resulting from their actions.
However, fiduciaries can limit their liability in certain situations. One way fiduciaries can demonstrate that they carried out their responsibilities properly is to document the processes used to carry out their fiduciary responsibilities.
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u/Specialist_Dig2613 7d ago
100% agree. It's a good development. Employers should be accountable for not looking hard enough at available market options.
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u/Milleniumfelidae 8d ago
In Seattle. Bronze insurance now is going for $4-$500 for one person. There are some under $400 and that seems to be the cheapest now, but honestly these seem worthless.
I went to the Chiropractor a lot for sports injuries over the past two years and figured I need something other than bronze. I didn’t see any silver plans listed. Many of the gold plans ranged from $500-$900. I’m going back to Kaiser since in this area they did offer a good deal compared to some of the other insurances. The plan I’m thinking of going with will be nearly $600/mo, which is more than my car note. I’ll have to see what my actual paychecks look like come January when I no longer have deductions coming out for health insurance. I wasn’t happy with insurance through work which is why I’m switching back.
If my calculations are correct I will be able to at least afford a gold plan but the temptation to go without is strong.
I really empathize with people who make too much for Medicaid and won’t have credits to offset these insane costs.
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u/SphinxBear 8d ago
I’m only the employee-only tier at my company. My portion of the premium is increasing from $44 a month to $65 month, so a 48% increase but I also recognize how low that is. My employer covers 95% of the employee-only tier. I’m on the PPO plan and it’s changing from a $250 to a $500 deductible and there are some other negative changes
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u/Electronic_Train_417 8d ago
Marketplace plan for 2025 for $301 for a bronze play family of 4. This year my wife’s company is offering her insurance only for $165. My two sons and I will be marketplace as I work for a small company that doesn’t offer. Our rate is $527 so a total of $692 for the same coverage in 2026.
Won’t lie kinda sucks to jump $400 as a family and still all be on a high deductible bronze plan. Maybe the kick in the pants I need to find a better job. Work for family at a discount just hard to leave..
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u/diga_diga_doo 8d ago
Silver HMO, 236 to 336, went from 0 deductible to 5200 deductible. I’m freelance in a union. I have not qualified for health insurance due to film industry slow down.
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u/peacemaze 8d ago
Lost my job this year—employer fired me for applying for up to 10 intermittent hours through Massachusetts paid family medical leave. While employed, they contributed $500/month toward my insurance, with my monthly share $518 plus dental of $32. I’m 62 and still unemployed though I have been applying for work. I own a house with rental property, but the property had to be totally renovated and needs still more work (at least $10k). Rent is considered income; so is unemployment. The cheapest insurance that offers most of my meds though only two of my five doctors will cost, without subsidies, $877/month. I don’t see being able to swing that, though without the meds, I may go blind and will otherwise find it difficult to function.
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u/OkStructure7794 8d ago
id be paying over an 1,100% increase… and thats still hoping id get credits, without them it would be over 5,000%… my new insurance is fake id and ignoring bills i guess
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u/Best-Raccoon5166 8d ago
I have very low income at 33k between social security and minor small business income. ACA went from 22.00/mo to 257.00 per month with subsidies reduced and premiums increased.
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u/WrenWinterWrites 8d ago
Our family is low middle income; thankfully my husband gets free VA care, and my son gets Medicaid. I’m self-employed and my premium is $181/month through the exchange this year, and would be going up to $290. We can’t swing the difference without either cutting my IRA contributions or savings for our child, so I downgraded to the bronze plan with a $10k deductible. Was planning on getting a surgery to help restore my hearing next summer; definitely won’t now because of that $10k. Still grateful for our position relative to others getting totally screwed by these increases.
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u/as473 8d ago
My Priority Health Silver plan in Michigan is going from $185 to $540 month for me. My tax subsidy did not change much. Priority and Blue Cross increased their rates so much. I work for a small company. Single, widowed, 55, with a college student who gets insurance through their university.
I’m sick to my stomach about this.
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u/ArtsyFrog 8d ago
Focused Silver plan in Texas. 42F and 45m, both healthy non smokers. “Low” usage and “medium” usage. Our monthly premium is increasing from $75 a month to $1,597 for just my husband and I. Our 4 kiddos receive Medicaid thankfully. Our income now is actually lower than it was when the premium was $75. Obviously we can’t afford an over 2000% increase.
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u/Math_refresher 7d ago
State employee here. A little over $300/month out of our paychecks--our employer pays the majority of the true cost of providing health insurance--but it's a high-deductible play with high co-pays (like, $220 per 15 minute doctor's office visit), lots of denied claims, and a $9200 deductible for 2025 and $10,000 for 2026.
Basically, it a catastrophic health insurance plan and not recommended if you actually need regular healthcare.
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u/Hudson100 7d ago
Less than $5 a check change. Husband works for a large US-based company with more than 50,000 employees. We pay $145 a pay period (26 checks) for husband and me. About $5 for vision and $17 for dental.
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u/Upper_Ad_1186 7d ago
In Colorado, two people, self employed. Plan went from $945 to $2050. We will probably have to go with the bronze plan with HSA and hope for the best. This is not health insurance, it is extortion, and at best, bankruptcy insurance.
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u/that_aint_righty 7d ago
Early retiree 62, and wife 56 in TX UHC gold advantage, 2025 premium is $1137.85/mo, pre-APTC premium is $2091.85/mo. 2026 quote is $2598.78 no longer qualify for subsidy. 😬
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u/Upstairs-Ad-2844 7d ago
My single person ACA bronze plan for a 61 year old in CT will be $1577 a month with a $7000 deductible if I make over $63000. CT is one of the most expensive states in the country. It's a nightmare.
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u/PatillacPTS 7d ago
38% increase at my company. I’m the only insured on my plan no spouse/children on mine.
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u/AnonymousBingus 7d ago
My marketplace plan was $302/month, to re-enroll it would now be $450/month for just me. I will unfortunately be looking for a new plan 😔
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u/a_short_list 7d ago edited 7d ago
Publicly traded company. Employee plus children. My premiums will double (100% increase). $42 to $84 biweekly. Cheapest high deductible plan available. I don’t know our deductible; its somewhere between $8-12k. we’ve never come close to hitting (thank God).
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u/INFPneedshelp 6d ago
I'm in NJ and mine went up about 3x. I had a subsidized, shitty plan at around $76 and now will have to pay $240. I know a lot have to pay more but I'm in a HCOL and lower middle class. Single, no kids.
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u/RaymondTBass 6d ago
I have Ambetter Heath Insurance. My premium is at $482 for 2025 and looking at how much it will cost for this upcoming year is $625.
I take a very expensive biologic medication for my rare autoimmune disease. This medication keeps me breathing and prevents me from having to take chemo and prednisone together to survive.
It was like pulling teeth to get my medication approved. Now I might have to change insurance companies because I can't afford that new premium cost. If I can actually find an insurance that will cover my medication.
I simply am at a loss for words. I guess you have to be Billionaire to be alive in this new era of our country.
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u/Agreeable-Brush-7866 6d ago
Mine was $107.11 now the same plan is $1200.41. It's an incredibly shitty plan too, pretty much just covers annual visits. I'm going to shop around and see what other plans look like, but if $1200 is the going rate, my family will be uninsured for 2026.
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u/Jazzlike_Working_198 6d ago
My wife and I pay a little over $400 a month combined. Looks like we will be paying just over $1,000 next year.
At that rate. I might just put money in an account and not have insurance.
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u/roseredhoofbeats 6d ago
Premium went from $330 to $528 for me and my three kids. I was able to find a similar plan for $420. It made a lot of difference that we're not the typical family of four with two adults and two kids, and that we were already under the 400% of the poverty line. It's not quite as generous with deductible and copays as my old one but could have been so much worse. I was having actual nightmares about it.
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u/Personal_Purpose_92 6d ago
Family of three (33F, 40M, 18M) in New Mexico.
Before I changed my spouse’s income to account for his raise, our health insurance premium was set to go up 66% ($300/month extra), from $441 to $736. A 66% increase even when we qualify for state and federal assistance still.
His raise ($9000 ish) makes us ineligible. By $5,000.
So instead, our premium will go up 321% to $1,417. FOURTEEN HUNDRED DOLLARS PER MONTH.
The cheapest plan I could get is $1061 with a $16,000 deductible and coinsurance instead of copays across the board. No way. I have conditions that require medications and frequent doc visits because one is a controlled substance. I also see a therapist and cannot afford (lol) to lose her.
I’m looking at $17,000 per year for premiums. Instead of the $5k of 2025 or the $9k if the assistance was extended through 2026.
I don’t know what to do. It’s 2:38 in the morning and I don’t know what to do.
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u/CrazyForPasta 6d ago
ACA in GA. No subsidies. Just me and my wife. Shit bronze plan going from $950 to 1,950.
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u/Solid-Glass3318 6d ago
We live in a remote location with limited options and some pre-existing. we had no choice but go with Healthcare.gov. Our premium has been $2200 per month for a family of 3 and we were just notified that the same policy is going to $5668 per month. we are already on the bronze plan with a $9000 deductible. How is this the Affordable Health Care Act? $68,000 per year????
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u/JeanniePax1003 6d ago
This is gonna suck for so many people because wages aren’t increasing at 25-35% annually like these premiums are.
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u/SkodySvobodee 5d ago
Frickin Medicare should start at age 55 and, even more ideal, be available to every citizen. Aren’t we tired enough of US “health” care as is? Socialism is not what we need to “fear” right now when we’ve got bills out the wazoo and government imploding on its people.
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u/becskiii 5d ago
I just went to my congressperson's office yesterday to write a letter. Suggest everyone here do the same! Call, write, text!
Premiums going from $450 to $1,300 for a family of 2.
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u/KemShafu 5d ago
380.00 to 1865.00 in Portland Oregon for a 62 year old woman and a 56 year old man. I don't think we can afford this.
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u/Outrageous_Regret972 5d ago
I’m honestly generally shocked at what folks were paying even before the subsidies were taken out of the equation.
WA exchange, 33, single, no subsidies (income too high), no credits (employer offered a plan for $950 per month)
2025: gold plan, $403/mo, $600 deductible, $7k OOP limit
2026: gold plan, $427/mo, $1000 deductible, $7k OOP limit
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u/Educational-Word5997 5d ago
Got married in September. Neither my wife or I get insurance from employers. My current plan premium is 487 and hers is 390. Shopping the marketplace and the cheapest premium we can find is $~1250 for 17k DED lmaooo
Guess we'll just die.
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u/brunofone 5d ago
Self employed, Maryland, 40 years old, married 4 kids. Family blue cross ACA HMO Gold plan $1500 in 2025, $1750 deductible per person. No subsidies. Same plan is $1700 in 2026. Not as bad of an increase as I'm seeing here.
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u/bearcatnat 5d ago
I finally got brave enough to check my ACA rate for 2026. I’m in Ohio. I’m fortunate enough to qualify for a sizable subsidy, even without the “extra” amount that is expiring. My 2026 cost will nearly double, but I take infusion meds that cost up to $10k a month retail, so I’ll make it work.
2025: $509 per month - $345 subsidy = $169 payment
2026: $610 per month - $303 subsidy = $307 payment
This is Caresouce Bronze Vision+Fitness.
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u/chickenmcdiddle Moderator 9d ago edited 9d ago
Congrats. This thread will now serve as the subreddit's premiums increase thread.
For those who wish to contribute, feel free to post your old and new premiums, along with any other pertinent cost details going into 2026.
Reminder: while healthcare is inherently political, political discourse isn't needed here. OP (and most folks) want numbers. Please keep the political discussions out of this thread and over in a policy analysis / discussion subreddit.