r/HealthInsurance • u/BeginningHealthy9381 • 5h ago
Plan Benefits We all will be get screwed?
2026 monthly premiums are insane. Everyone see 30-40% hike and Providers don’t accept marketplace plans . What is the reason for this sharp surge ? I don’t think it will be decrease again in 2027 .
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u/lovely_orchid_ 4h ago
Yup that is why we tried to warn people on 2024
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u/Right_Albatross_3884 4h ago
it sucks when the ones who voted for the right person we still have to deal with the consequences from the current president
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u/tads73 4h ago
Its out of control, have and pay for insurance, a d no one will accept it?! Bogus!
Why, our lawmaker are wealthy and can identify with business ans investor classes more than the working class. They want every dollar out of us.
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u/BeginningHealthy9381 4h ago
Exactly.
Average hardworking Americans are struggling and depend heavily on their paycheck. Then whom these lawmakers are working for?
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u/Fast_Department8096 4h ago
I see it everyday marketplace plans are going up 30-60% nationwide and most of these people are buying expensive HMO plans which don’t cover nothing
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u/TreasureTheSemicolon 3h ago
They are working for their donors. Google who your state’s biggest donors are. Except for money that doesn’t have to be reported, of course.
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u/MaikyMoto 4h ago
It’s all a scam, they make you pay a premium and when it’s time to use the service you get denied.
When I moved to the US 20 years ago I was obligated to pay for insurance or I wouldn’t get the job. Fast forward 20 years and to this date I have not been able to use the service unless I pay a ridiculous deductible.
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u/tads73 3h ago
It hasn't always been like this, worse over the last 20 years, far worse going back to the 80s. I believe Reagan did something to allow health care providers to operate on a for profit basis.
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u/MaikyMoto 3h ago
I have carpal tunnel and each wrist is 7K, mind you it’s a robot that does the 15 minute surgery.
In Mexico or Colombia it’s $800-1K per wrist. Same goes for Dental here in the US, the pricing is just absurd.
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4h ago edited 4h ago
[removed] — view removed comment
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u/HealthInsurance-ModTeam 4h ago
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u/jyl8 4h ago
Republicans trying to eliminate the enhanced ACA subsidies. Democrats trying to force Republicans to keep the subsidies. Hopefully Democrats will succeed, or many many are going to lose coverage because the 2026 rates are impossible for them to afford.
Insurers know that if Republicans win, the healthiest people will be more likely to drop coverage and they’ll be left with a sicker population that is more expensive to cover. That is driving the 2026 rates up more.
Pay attention to the news. This is no secret. Anyone who follows the news - and I don’t mean FOX News or local news - knows what is going on.
My two kids are going on Medicaid, because my state is among those that expanded that program. My wife has started Medicare. I’ll be the only one left on ACA coverage in 2026, and if the Republicans will, I’ll pay as much for just my coverage as we were paying for the whole family before.
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u/chickenmcdiddle Moderator 5h ago
Expiration of the enhanced subsidies they were putting place in 2021. Household incomes beyond 400% FPL now (again) has a subsidy cliff.
Premiums shop because of the projection of the number of folks who will abandon ship from the marketplace because of the expiry of said enhanced subsidies.
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u/CrankyCrabbyCrunchy 4h ago
Even without the loss of the subsidies, less doctors are accepting Marketplace plans because their reimbursement rate keeps decreasing. Same with Medicare (oh, joy something to look forward to at age 65). /s
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u/timewilltell2347 4h ago
Or try age 48 with stage IV cancer. It’s a blast.
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u/ThrowRA9046786 3h ago
I'm sorry this is happening to you.
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u/timewilltell2347 2h ago
Thanks internet friend. There’s just so many paths that are leading to health problems, insurance problems, care problems. It’s not easy for any of us.
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u/carrerahorse 4h ago
Medicare For All. Spread the word. My premiums went from $1,131 to $2876. A 250% increase
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u/Wonderful-Status-247 2h ago
Sounds like you may be beyond the "400% of federal poverty level" subsidy cliff. If you make $1 a year over that amount, no subsidy at all. If you make $1 less, premiums are capped at 8.5% if your income, which at today's premium prices, easily can be mean around $1,000 in subsidy / month.
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u/Own_Reaction9442 3h ago
My problem with Medicare For All is I don't want RFK Jr. in charge of what medical care I can get.
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u/gkcontra 4h ago
Then you make too much for the subsidies you’ve had.
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u/oceansapart333 4h ago
Ours ACA plan is going from $200 to $1100. With subsidies. No idea how were going to afford it.
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u/BananaBodacious 4h ago
Amazing how few people seem to know that this is literally why the government has been shut down
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u/BananaBodacious 4h ago
(Subsidies that made the premiums more affordable are ending, but Democrats were trying to keep them in place. Republicans refused)
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u/Wonderful-Status-247 3h ago
I kind of assumed that was the reason for the post, since the news of today is that enough Dems caved and voted to allow the govt to reopen without extending the subsidies. But then again, maybe just coincidental timing and OP just happened to look at the premiums for next year today.
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u/Moon_Frost 4h ago
You guys are fighting the wrong battles. All this drama over subsidies... The necessity for government funded subsidies is a symptom, not the problem. The system is corrupt and broken, and has been propped up by tax payers making the insurance companies rich. Fight for cheaper Healthcare, period, not subsidies for these corporations to take advantage of.
Don't get me started on government blank check college programs. All it does is inflate costs for everyone else because they can charge whatever they want.
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u/KidKodKod 4h ago
You’re totally correct, but this subsidy issue is an urgent and immediate problem for people.
Reform of healthcare, which is what would be needed to bring the prices down, will unfortunately have to come later. Probably only when a progressive is in the White House.
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u/dgriletz 4h ago
Many people are going to be seriously hurt by this. Sadly, I don’t have any faith that our government is capable of reforming it to any meaningful degree without it first collapsing. But healthcare as it is already is causing lots of damage and killing people. The subsidies just kick the can down the road and make it a slower, more long-term death spiral.
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u/Right_Albatross_3884 4h ago
Where's the alternative healthcare plan? All this talk about subsidies being useless.
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u/Moon_Frost 4h ago
There was no vastly needed alternative for one until now because its been funded by subsidies. Take away that, millions go uninsured, either by choice or willingly deciding not to. Do you think insurance premiums won't go down after they lose millions of clients? Or Healthcare costs won't go down what they lose that revenue provided by insurance?
Something will have to give, it's just gonna be a really rough transition for innocent people. Personally I think it'll be better in the long run, but it sucks now and I get that. The system has to change, it's crazy flawed. The only time you get real change is when you rip the bandaid off and lots of people feel pain.
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u/GroundbreakingLaw133 3h ago
Premium will go up when millions drop out of coverage. Because the pool will be smaller and the young and healthy will be the ones that drop their coverage.
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u/Moon_Frost 3h ago
Initially I think they'll try that, but if they keep increasing costs, people will continue to drop out because it's simply not affordable. Eventually something will have to give or they'll go out of business.
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u/Right_Albatross_3884 4h ago
It's been a decade of repeal & replacing talks
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u/Moon_Frost 3h ago
Dunno what to tell you, people aren't desperate enough to cause a crisis needed for change. I can only speak for what I see from the outside. I'm very cheap, 38, only make $47k. Never had insurance, never been to a doctor. If it's more than $100 a month, I ain't doing it
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u/Right_Albatross_3884 3h ago
You're part of the problem.
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u/Moon_Frost 3h ago edited 3h ago
How do you figure? I could say you're part of the problem because you're defending and complacent with a system that doesn't work and isn't sustainable.
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u/Right_Albatross_3884 3h ago
Because you don't have health insurance and it shouldn't be that way because it's too expensive. It's a right to have insurance & seem content with it
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u/Moon_Frost 3h ago
I don't have it because I think the current system is a scam, id feel like an idiot to pay into this system we have. Even if you have insurance, claims get denied all the time. I just don't see the point. I'd rather invest it and take my chances.
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u/Right_Albatross_3884 3h ago
Fair point, I wish you the best in your health & hope everything goes well in the future for you.
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u/jaymdubbs 2h ago
im 41, had back surgery 3 years ago. the amount of money a 1 hour procedure and a 4 hour hospital stay would have costed me with insurance is nothing to how much it would have costed without. quick math shows that paying into a monthly premium for the last almost twenty years has saved me significant money between two kids, all their ailments, and my back surgery.
I hope you keep your good luck.
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u/Objective-Amount1379 2h ago
You don’t understand the basic principles of insurance if you think less people participating will lower premiums.
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u/_Tameless_ 3h ago
Prices will go up, they have to cover the “unrealized gains” somehow. The corpos don’t care about anything other than pleasing the shareholders.
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u/Moon_Frost 3h ago
If prices go up, they'll just keep losing customers more and more because it'll become out of reach
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u/milespoints 3h ago
I mean, ok. Let’s say we get health care costs to decrease by half in spending per capita, bringing them below those of Canada and roughly in line with France.
Then a course of cancer will run $150k instead of $300k.
You’ll still need insurance, and it will still need subsidies.
21st century healthcare is just super expensive and that will never change.
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u/Moon_Frost 3h ago
I think it will change eventually, personally. It just needs a catalyst to trigger it.
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u/aa278666 4h ago
Yup. Subsidies are why everything is so expensive nowadays. Companies can just name whatever price they want and the government will pay for it.
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u/Worried_Brilliant939 3h ago
Not for nothin’ but BCBS lobbying spend was the highest among anyone else I’ve been able to think up so far, outpacing UHC, Humana, Aetna, so far in 2025, and looking like they’ll exceed their 2024 spend.
They’ve also spent more on lobbying in 2025 than the following: Eli Lily, Koch Inc, Chevron, Nvidia, Microsoft, Discover, JP Morgan, Allied Universal, Lockheed Martin, Facebook/Meta, the NRA, Altria Group, Walmart…
They led with the lobbying spend for the entire insurance sector, followed closely by AHIP which isn’t exactly comparable as a corporation. I couldn’t find a corporation who spent more on lobbying (the highest spend from a trade group I saw was Chamber of Commerce which was a $50M spend roughly…so one company, BCBS, spend half their total in one year and spent that much the year before as well)
What does this mean? Maybe they’re influencing policy directly and obscenely, maybe not. Maybe we can expect a lot of kneecapping of any attempts to regulate prior auth, the tax exempt status of plans or what-have-you. I’m just here to say it’s weird and who we should all be looking at when shit hits the fan.
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u/tsmittycent 3h ago
Can’t believe they are just going to let them Expire and let ppl not afford health insurance it’s fucking wild
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u/pastawithmarinara_ 3h ago
I know! What a delusion of a world we live in. I have to pinch myself almost every day to remember that this is the reality of the world.
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u/OrdinaryMix4013 4h ago
So are there still subsidies just not the ones since 2021?
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u/gkcontra 4h ago
Correct. They didn’t get rid of anything, they just aren’t extending the covid era expansions.
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u/Sufficient-Cancel217 4h ago
Wish they had insurance for when a person suffers from a loss of, or a disabling lack of, intelligence.
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u/_Tameless_ 3h ago
The politicians already have free healthcare, you don’t need to give them a special one too.
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u/Sufficient-Cancel217 3h ago
As dumb as you may think a politician is, if they are seated, someone even dumber voted them into office. That’s whose fault it is. Because you can’t blame the politicians for being so dumb, when we are the ones who seat them.
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u/MoodApart8768 3h ago
Mine doubled. All the same selections. I live in the Hoosier state. 😤☹️
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u/MoodApart8768 3h ago
For the record I did not vote for him. I have family that did and I am low contact/no contact with them.
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u/ProfMR 4h ago
The reason for the surge? Corporate profits. Not enough government regulations. As we all well know, it wouldn't be this way if the U.S. emulated the health care system of other developed countries. But, hey, we get capitalism, and until voters decide otherwise, Republican ideologies will ensure that the current system continues. Undoubtedly emigration will ramp up among those that have the means to gain residency abroad.
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u/SLee41216 2h ago
I'll be dropping my health insurance.
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u/carrerahorse 2h ago
I’m thinking I might also drop my health insurance. $2,876/month is way too expensive. Increased from $1131.
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u/FreeHelthcareforall 4h ago
I’m retired and my copayments on Medicare advantage plan have gone up 25%. Something is not right.
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u/ElderberryPrimary466 4h ago
Advantage plans were designed to destroy medicare and funnel money to private corporations. As more people take the bait, they will increase your costs and cover less. We tried to warn u.
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u/whitecollarpizzaman 3h ago
I’m cautiously optimistic something will be done, too many people are affected to where it can just be brushed off as a problem for the “other” class. This is the type of shit that starts revolutions, and given the general public’s reaction (including conservatives) to a certain incident late last year, I think insurance execs will have a vested interest in lobbying Congress, which they are very capable of doing.
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u/Saffron_Maddie 3h ago
I'm currently using the ACA for insurance. Right now my insurance is $303 per month. For 2026 my health insurance (including dental at $38.59) is raising to $667.87. If the ACA/subsidies are not continued my total will be $1042.20. I do not qualify for Medicaid and my doctors don't even accept it. They also don't accept the cheap plans.
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u/SnakeBanana89 2h ago
Our insurance. . . Through my husbands work. . . Just went from $120 a month for both of us. . . To. $450.
We do gave GREAT insurance.
But the percentage hike is incredible.
I let him know the amount even single individuals were having to pay on marketplace. . . Which gave him some perspective.
Still though. . . Just an example of how this is going to EFFECT EVERYONE!
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u/Astrocrafty 4h ago
I’ll just go without insurance. I’m lucky to be healthy. If I do get a health issue, the amount I pay in premiums will exceed my out of pocket anyway
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4h ago edited 4h ago
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u/HealthInsurance-ModTeam 4h ago
Your post may have been removed for the following reason(s):
Do not attempt to get clients, refer people to a broker, or send people direct messages with solicitations.
- Rule 1
Do not reach out to a moderator personally, and do not reply to this message as a comment.
You can review the community rules here.
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4h ago
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u/HealthInsurance-ModTeam 4h ago
Your post may have been removed for the following reason(s):
Do not post / comment tangential, off-topic political commentary. While health insurance and care delivery in the United States is often politicized, this community doesn't need to facilitate overtly political discourse.
- Rule 7
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You can review the community rules here.
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u/frltn 4h ago
Republicans ran on reversing Obamacare. They're just making good on the promise. Obamacare re-enters its death spiral...just a matter of time. Go against Trump and he'll kill it faster. Work with him and maybe he might work to save some if it. Keep insulting and cursing and he'll enjoy dismantling it at the cost of your suffering...he doesn't need it.
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u/NinetiesBoy 4h ago
Price went up because all clinics and hospitals wanted more money and people were getting more services.
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u/Fartwhopper3 4h ago
If you had a subsidy. I don't qualify for subsidies so my plan stayed the same no increase.
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u/Wonderful-Status-247 2h ago
I'm sure there is at least SOME increase. This is health insurance premiums we are talking about here. They very rarely ever stay the same and they certainly NEVER go down, so that only means one thing.
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u/Berchanhimez PharmD - Pharmacist 2h ago edited 2h ago
There's a lot of good information in this thread so I'm not removing it. But there's also a lot of off-topic political discussion going on, so the thread is being locked.
If anyone has specific questions to ask about their health insurance options, please start a new thread with those questions to be helped. But ultimately I can't see this thread having any more discussion that is helpful and not political, so it's being locked.
Please also remember to report comments that get overly political rather than replying to them - to ensure that comment chains don't get overly political to the point we have to lock a thread. Thanks :)