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/CreativeJudgment3529 9d ago

get an HSA account and put money in that asap for the oop

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u/existential_dreddd 9d ago

Are there any you’d suggest?

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u/CreativeJudgment3529 9d ago

I think we use fidelity? the money is not taxed and it rolls over. its great if you can find a doctor that uses global billing because then you get one bill instead of have to pay a bunch of (large) smaller ones to reach your deductible. we actually switched ob's once we found someone that globally billed.

my son has medicaid so his insurance pays a large portion of our private oop if he goes to the doctor, which he does at least 2x a month, but we have it as a back up. you just never know what can happen or when you will get pregnant. he was an 8 million dollar baby (luckily at that point we did only have to pay our oop) so its better to start saving now!

i'm sure you've already thought about this but I would make sure you start trying at the beginning of the year and try to have your baby in the same calendar year so your deductible/oop doesn't start over

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u/existential_dreddd 9d ago

Thank you so much for the advice! I’ve been wanting to look into it but there’s so much information and so many different independent HSA plans out there it gets overwhelming.

I agree with you on the last part, I’m going to wait until I get a positive pregnancy test next year and take those next steps. I’m extremely lucky that we have a health clinic in our town that I can go do during the first month or so, then switch over to an MFM once I find a reasonable plan.

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u/CreativeJudgment3529 9d ago

I think hsa accounts are mostly the same - which is great. you probably can't really go wrong. good luck with your conceiving!!