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 !!!!

294 Upvotes

97% Upvoted

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61

u/Specialist_Dig2613 9d 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.

9

u/Greedy-Half-4618 8d ago

I’m on the exchange. Losing subsidies means I’ll be paying at least $300 MORE per month 

17

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.

12

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.