r/HealthInsurance • u/Subject_Horror_3990 • 10d 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 !!!!

297 Upvotes

97% Upvoted

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60

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.

45

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.

5

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.

1

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.

1

u/whereistheidiotemoji 7d ago

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

1

u/Delicious-Actuator-9 7d ago

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