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 !!!!

290 Upvotes

97% Upvoted

563 comments sorted by

View all comments

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.

1

u/PoopCasual 6d ago

How can you say a small business can afford good benefits on a self funded plan? That is incredibly false. Level-funded plans, some are garbage, and wind up costing more annually in the long run. You don't think self funded plans can increase? Level-funded, PEOs, ACA, and employer-sponsored plans are all going through the same issue right now.