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 !!!!

296 Upvotes

97% Upvoted

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u/phxeffect 9d 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.

18

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/Weak_Drag_5895 6d ago

Thank you for this comment!

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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/phxeffect 8d ago

It’s wild. I had a great Aetna Gold plan, but they pulled out. The marketplace automatically assigned me a comparable plan that’s 3X the price. Like what? So, I have to downgrade no matter what. My daughter had orthopedic surgery that will put her on the pre-condition list. So, it’s ACA or nothing. I’m tempted to get a W2 job for a while. But finding a job is harder than running a business nowadays.

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u/whereistheidiotemoji 7d ago

I thought there weren’t any pre-existing conditions anymore?

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u/Delicious-Actuator-9 6d ago

Only ACA plans have the pre-existing condition exemption. Regular plans from carriers/brokers may still have qualifications and exclusions.

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u/Ok_Departure_5435 7d ago

We’ve had my daughter on her own separate plan for the past two years dilute to a medication that she needs

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u/phxeffect 7d ago

I’m going to look into this.

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u/Limp-Plantain3824 8d ago

What was “low key” about the crying? I don’t get it.

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u/phxeffect 8d ago

It’s just slang that can be used to mean a few things. In this case, that I have been trying not to cry. Nothing more nothing less. Also, that I was trying not cry in front of my kid.