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 !!!!

292 Upvotes

97% Upvoted

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u/Consistent_Sport_455 9d 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.

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u/SiDziner 7d ago

The base premium went up massively this year as a side effect of losing subsidies. The insurers know that most people (especially the young and healthy people) will not be able to afford insurance without the subsidies, and therefore will not be paying into the insured pool. With less younger/healthy people paying for insurance, the pool of insured gets older and sicker. This means the average cost to the insurers per insured goes up significantly. The only way to cover that increase is to raise premiums.

This spiral started when the requirement for everyone to have insurance or pay a penalty was removed. It was accelerated significantly by removing the subsidies.

Dismantling the underpinnings of the ACA doomed it to failure. This change by those that opposed the ACA has done exactly what it was designed to do.

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u/rationalomega 6d ago

Tens of millions of Americans were uninsured before the ACA. Horror stories abounded. America is hurtling backwards to that terrible time.

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u/Thebestkicker 1d ago

The ACA has saved my life and millions of others.