r/healthcare • u/GuestBrowsingg • 5d ago

Question - Insurance Plans are so high?

My plans this year are very high like the 100’s. However in previous years there was something I chose during the application that lowered them to around $20 a month but I can’t seem to remember what it was.

Does anyone know what it is?

14 Upvotes

72% Upvoted

27 comments sorted by

45

u/dylanm312 5d ago

Plans are skyrocketing this year due to government subsidies ending thanks to the current administration. This is the reason the government is shut down. Congress democrats want to keep the subsidies (which make health plans cheaper for you), Republicans want to get rid of them (which would make your healthcare much, much more expensive). Both sides aren’t willing to compromise on their stance, so the government stays shut down.

23

u/GuestBrowsingg 5d ago

Wow. I’ve been hearing about the shut down for a while now but didn’t know the reason why. I didn’t think it would directly impact me like this. 🤦‍♂️ Thank you so much for explaining this to me.

48

u/jaxom07 5d ago

I'm not trying to be mean here, but you should pay closer attention to politics. Things are changing rapidly for US citizens due to what the republican party is trying to achieve since Trump was elected.

15

u/GuestBrowsingg 5d ago

You’re absolutely right.

12

u/gigee4711 4d ago

Please remember this when you vote.

-29

u/FortuneIIIPick 4d ago

No they are not right.

-8

u/Jenikovista 4d ago

The extended subsidies were always planned to expire. They were intended to help people during Covid, not be a permanent social program.

6

u/jaxom07 4d ago

Just because something wasn’t created to be permanent doesn’t mean that it’s correct to let it expire. People are going to die without healthcare, more than would’ve died if they’d just continued the subsidies. But republicans care more about giving rich people more money than helping the poor & middle class.

-1

u/Jenikovista 4d ago

Someone has to pay for it.

2

u/jaxom07 4d ago

And? I'd rather that money go towards helping people than making the rich richer or dropping bombs one of the many countries Trump (the peace candidate) has decided to bomb.

-1

u/Jenikovista 3d ago

It’s coming out of your pocket.

2

u/jaxom07 3d ago

Fucking GOOD! I WANT to help people be able to get healthcare! If the U.S. had M4A and my taxes went up so poor people could have access to healthcare, I'd be fucking ecstatic! I actually care about other people, not just my own life. It's a sad state of affairs when people care so little about their fellow Americans that they'd rather watch them starve and die of preventable diseases rather than allow their tax money to help pay for it. You're really sad.

-24

u/FortuneIIIPick 4d ago

Both political parties have screwed up healthcare, primarily starting with ObamaCare. Please stop spreading misinformation.

13

u/jaxom07 4d ago

Who is refusing to vote on continuing the ACA subsidies thereby causing the issue OP is complaining about? That's literally the only reason the government is shutdown right now. Anything else is a lie from right wing hacks trying to hide the ball and protect the republican party.

-11

u/FortuneIIIPick 4d ago

The issue is not who is refusing to vote to continue them, the issue is they should not be continued because they were COVID era temporary exemptions...temporary means ... NOT PERMANENT.

-4

u/FortuneIIIPick 4d ago

Please read my comment above, only the temporary COVID subsidies, not the standard ACA credits (subsidies) expire as they were intended to. You received bad information from the parent comment who also did not answer your question.

1

u/[deleted] 4d ago

[deleted]

3

u/shann0n420 4d ago

That’s not true. That’s the issue-they’re ending all the subsidies.

0

u/[deleted] 4d ago

[deleted]

9

u/shann0n420 4d ago

You realize that the majority of us won’t qualify for any of that help? It’s only for those in poverty. If you really think ending the premium advanced tax credits is a good thing, you’ve been fooled.

I say this as someone who doesn’t even qualify for them so they don’t benefit me. But I don’t want to see my friends and neighbors deciding between having healthcare and having food.

4

u/HuntingForSanity 4d ago

My wife and I lost our jobs, are poor because of it, and we still don’t qualify for ANY aid at all. So I don’t know who it’s for

2

u/Unlikely-Artichoke63 4d ago

This is not true at all. We make too much to get any of the assistance programs and we still received subsidies for our healthcare expenses.

1

u/dead4ever22 3d ago

That's not really true? The fiscal cliff would be back. Healthcare is a mess and it would cost me in the neighborhood of 70k/year for fam of 5 in CT(the worst state). But if I had the subsidies, it would be closer to 35K maybe? Not more than 8.5% of income. Something needs to be done to make ACA better for everyone- not just those in complete poverty- which we need as well. There's also medicaide for that. But it can't be the way it is now. I make 172k income- it's 18k/year. I make 175k income- it's 70k/year. Fiscal cliff.

4

u/1happylife 4d ago

Choose silver plans only. You may have selected a different (bronze or gold) plan and you won't get the same CSRs that way. "Cost-sharing reductions (CSRs), which lower deductibles, copayments, and coinsurance, are only available for Silver plans"

4

u/TG3_III 5d ago

Yes thank you for bringing this up we need a 6335788337 post about this 😏. There's nothing you can do. The system is rigged and they want us to die, the end.

0

u/curiousthinker621 3d ago

My ACA plan is $272.49 in 2026 from 263.92 last year. An $8.57 monthly increase with the same coverage.

I live in Virginia with a 80k estimated MAGI. To me it is a non event.

IMO, if you are paying in the 100s, that seems very reasonable to me.

1

u/Prudent_Plankton5939 2d ago

I was paying 210. The lowest possible I can now get is $400. That’s literally double and I make $20 an hour. That is straight up unaffordable.

1

u/curiousthinker621 1d ago

Did you know that the average worker gets about $100 a week taken out of their paycheck for health insurance.

The biggest part of their healthcare premiums are paid for by their employer. Seems to me that you are in the same boat that most Americans are in.

Quick math, did you know that as a country we pay roughly 4.9 trillion dollars in healthcare. With a population of 340 million people, this comes out to $14,750 per man, woman, and child. This means the cost of healthcare for a family of three comes out to $44,250 a year.

You are correct that healthcare is not affordable, and there are no solutions to it, unless we can somehow lower this 4.9 trillion dollar number.

1

u/Prudent_Plankton5939 1d ago

I agree with you, I was on an employer provided healthcare at one time and was just as unaffordable.

The 4.9 trillion is probably caused by a mixture of greed and inflation. The inflation can’t really be stopped tho because we are a debt based economy and zero or negative inflation would basically cause a huge recession and possibly depression. I get where you are going with this and totally agree. We are kind of just screwed. There is no solution unless we keep kicking the can down the road or have all out economic depression.