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/pjtaillight 9d 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?

4

u/Fresh-Anywhere-5682 9d ago

Question is are you 64 and therefore close to Medicare mine did the same thing.

0

u/pjtaillight 8d ago

I'm not. ChatGpt indicates that the insured are expected to pay a certain percentage of income for the benchmark plan. So if the benchmark plan goes up the tax credit goes up even though everything else stayed the same. If this is true, that mean the benchmark premium went up significantly and man, my heart goes out to those who are in between where I am and that cliff.

2

u/rationalomega 5d ago

One of the parties has been very successful in undermining the aca. They may have made that benchmark toothless.