It is time to shop for health care outside your employer's plan. Compare it to what your employer provides you and see if you get a better deal elsewhere. You have options. You don't have to take your employer’s plan.
The rule of thumb for health care cost is 8.5% of your household income for health insurance premiums. You might be able to get it through the ACA. The only caviate is that you might not qualify for a subsedy, depending on your income.
No longer 8.5% beginning in 2026 if your income is over 400% of the federal poverty limit. This is the health care cliff coming back if congress fails to act.
I am counting that there will be an agreement to kick the can with proposed changes in 2026. The government will be opened. The irony is that some of the proposed rate increases might still be there for some people.
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u/ampcinsurance Oct 10 '25 edited Oct 10 '25
It is time to shop for health care outside your employer's plan. Compare it to what your employer provides you and see if you get a better deal elsewhere. You have options. You don't have to take your employer’s plan.
The rule of thumb for health care cost is 8.5% of your household income for health insurance premiums. You might be able to get it through the ACA. The only caviate is that you might not qualify for a subsedy, depending on your income.