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Health plan enrollment period is set to be horrifying for everyone this year (arstechnica.com)

submitted 3 months ago by Powderhorn@beehaw.org to c/usnews@beehaw.org

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My ex-wife is in her annual open-enrollment sprint as an agent, and she's not reporting that things go well.

Shock and dismay have already begun as Americans face next year’s health insurance costs—and it looks like everyone will be in for some grim numbers.

So far, much of the attention has been on the stratospheric prices that Americans might see on plans they buy from Affordable Care Act marketplaces. Critical tax credits for those plans are set to expire at the end of the year, and, on top of that, insurers have proposed a median 18 percent price increase for 2026. With the higher prices and a loss of credits, some Americans could see their monthly premiums more than double.

In an analysis last month, nonpartisan health policy group KFF estimated that, on average, ACA marketplace premiums would rise 114 percent, going from $888 in 2025 to $1,904 in 2026.

You will pay a fuckload more for worse coverage, and you will like it!

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[–] swelter_spark@reddthat.com 3 points 3 months ago (1 children)

Marketplace plans became unaffordable for me years ago. The first year of ACA was great, but the plans were more expensive and covered less every year.

I think I paid $35 a month that year. After the first year of Covid, the most similar plan that was offered was something like $600 a month.

I'm wondering if Farm Bureau plans are going to rise dramatically as well, despite not being connected to the ACA.

[–] Powderhorn@beehaw.org 3 points 3 months ago (1 children)

I looked into ACA plans once after a layoff about a decade ago. Fucking COBRA was cheaper, so I've never taken another look.

[–] swelter_spark@reddthat.com 1 points 3 months ago

ACA plans only seem to offer a significant amount of help if you're employed, or somehow otherwise have a decent monthly income. If you're unemployed, they're absolutely unaffordable. They seem to want/expect people with no income to use state benefits.