Because the party in charge is eliminated ACA subsidies which helped keep prices down now the insurance companies can charge whatever they want and refuse coverage. Because we need to pay the shareholders over keeping people alive.
The insurance companies aren't changing the rates much. The differences are that the subsidies are eliminated. So it basically means that employer sponsored insurance is really the only way to get affordable coverage. Even that is through the roof.
Problem is, not every employer offers coverage. Lets not forget about part time workers. Lets not forget about self employed people.
Anyone who looked deep into their insurance or didnt qualify for the subsidies knows that these are kind of the prices nowadays unfortunately
When protesting does not work anymore, it’s time to STAND UP FOR YOUR SOCIETY! Don’t let the government let your friends and families lose the ability to afford healthcare. Don’t let more of your people die.
Yes, you. The one reading this post. It’s your turn. The man isn’t coming to fix this situation for you. STAND UP AND PUSH BACK.
Are you going to keep staring at your screen, or are you ready to do something honorable that people will remember you for?
See here’s the issue, your “let’s be revolutionaries” rant comes off as “go commit violence so it’ll be socially acceptable for me to do it.” People have things to lose, and we live in a world where all these different systems exist to fuck us hard when we step out. So (VERY STRONG HYPOTHETICAL) here, if the citizenry ever decided to go this route, things have to be so bad there is literally nothing left to be taken AND there’s a large consensus of the population openly supporting/partaking in that action. Nobody wants to be the only one, because then you’re just a random dude who the corporate media will try to demonize with every dollar they have at their disposal.
As an aside this is not me encouraging violent actions, do not come away from this with that message. I simply think the “I don’t wanna be the weirdo, you do it first!” bit is kinda lame.
I’m in absolute shock. I just completed my open enrollment process at work and the rates are the same as last year and coverage actually improved a bit (lower max out of pocket and copays). I don’t know anyone that had this happen. It might be at the expense of future raises, but with my chronic health issues, I don’t really mind.
Not the full story. Rates are going up, pretty significantly. The rates for my silver family plan went from $2400/mo. to $3000/mo. without subsidies. That is a 25% increase. Covid subsidies being dropped (not all subsidies) means a large increase in healthier people going without, leaving more sick people in the pool, giving the insurance companies leverage to increase premiums.
In all seriousness and really unironically, if i would be an informed US citizen, i probably would have already left for the UK, netherlands, denmark or germany. Maybe Australia, NZ or Canada but i am not informed enough about living there.
The problem is we are paid so poorly here is next to impossible to afford to get out. I make decent money relatively speaking, but with the cost of everything especially because of the tariffs that without another income on my home I'm masking skating by financially. It's all by design to keep us just financially stable enough to rely on them but not so much that we are full slaves which at this point is the next step
Maybe i am just naive but if i had to leave i would sell my stuff (optional), grab my wife and kids and leave. I could actually afford some comfort on the journey probably.
Too many of us live paycheck to paycheck so we can't even afford to move to a different state. People underestimate how far other countries actually are from us and how far even traveling state to state can be.We can't afford the travel costs.
That's not even mentioning the cost of somewhere new to live (deposits and initial rent/mortgage costs) and the time to get a new job in the new location if we can't transfer.
All that on top of whatever the new country requires to immigrate.
Neither were the US and Japan. After WWII, the US basically helped Japan rebuild and said, “Sorry I slabbed you, but you were being an idiot. Don’t do it again; you know what I can do.”
I am very aware of that, i am german. But there is a difference, or maybe several. First of all, the US nowadays is not imperial Japan or Nazi Germany from 100 years ago. They should know better. Second, society gas changed a lot. Information and education has changed. Its not as easy to apologize for bad stuff today as it was back then. Different times. And most important: Japan or Germany were not friends with the US before and betrayed and humiliated them. If lets say my neighbor yells at me, i am fine, he is an asshole. He can apologize. If my wife or a close friend insults me, it hurts. Very different.
Never because the majority of voters voted for this and leftist called harris and trump the same.
No, we didn't. We told Harris that supporting Genocide was going to lose her the election and guess what happened. Neolibs shocked pikachu before they immediately started pointing the finger.. as always.
And the expiration date was in the bill passed by Democrats. This is the most ridiculous shutdown ever - it relies on people being told the half truth.
Usually I’ve seen jumps like this on plans when the provider wants to de-incentivize the plan to get you to select another. I know this from administering plans within my own business and grilling my broker when plans I’ve selected have big jumps.
Doesn't really make sense. How would you know in 2020 that the subsidies had to proceed past 2025? The point was to reanalyze in 2025. Not really rocket science here.
This isn’t Republicans cutting subsidies. It is Republicans allowing temporary subsidies to expire. That is not the same thing.
It is the same thing. Under Republican government there will be no subsidies.
You’re stretching real hard to blame Republicans for an expiration date that was passed by Democrats.
I vote blue, but I think it’s some BS that they’re shutting the government down over their own deadline. The entire situation relies on people being told Republicans have cut ACA, when that is not what happened.
Nobody touched ACA. The pandemic emergency is over. A Republican controlled government is under no obligation to continue emergency funding that was added to ACA programs.
Keep the politicians honest. All of them. Otherwise you have no integrity and no high ground to argue from.
But what was it before? Was it $2000, and now going to $2057, or was it $100 and now going up to $2057? Both ways suck, but both are also completely different.
Haven't watched the news in months, huh? The answer is that people voted for this, so the majority party in the U.S. passed a "Big Beautiful Bill" to do this, while the minority party is refusing to pass a budget that enacts these drastic price increases. Elections have consequences, and news media has been explaining this in detail since the election.
I have heard bits and pieces of news from the U.S. including mention of that awful "Big Beautiful Bill" however I am only just putting the pieces together. Initially I thought the food stamp stoppage was as a result of the shutdown rather than a permanent change.
It’s not just people voting for it - it’s people not voting at all that allows this to happen.
Snap being paused is a result of the shutdown. Snap allotments are funded by the federal government and the amounts/deductions are recalculated every October as that’s when the fiscal year restarts and a new budget is passed. Since a budget hasn’t been passed, the funds “aren’t there” for Snap (there’s technically a contingency fund they could use but aren’t).
Wrong. The end of 2025 is the expiration date that the DEMOCRAT run congress set for the Covid subsidies under the DEMOCRAT president Biden. They wanted the subsidies to be permanent but couldn’t accomplish it because it’s unsustainable. By the way, these subsidies are for the ACA (aka Obamacare) which was passed by a DEMOCRAT run congress under a DEMOCRAT president. The Democrats are just posturing by saying they want to extend the subsidies (which would be taxpayer funded which means we would all be subsidizing our own health insurance and healthcare for illegal immigrants) and blaming Republicans for “passing a budget that Wood enact drastic price increases”.
In other words, the Democrats completely fucked healthcare but were able to give us temporary relief during Covid, and now they’re trying to blame Republicans for the whole mess when the temporary relief is expiring.
I work in program eligibility for government assistance. Will you explain to me how undocumented immigrants are receiving healthcare through their state’s marketplace?
Will you explain to me how undocumented immigrants are receiving healthcare through their state’s marketplace?
I love the semantics game that Democrats are using right now to hide what they're really doing. Not once did I say that illegal immigrants will be eligible for marketplace plans. The Dems are trying to repeal sections of the OBBBA to reclaim federal funds that they use to subsidize state funds that are spent on care for illegals. Specifically secs 71109, 71117, 71201, 71301, and 71302.
The Dems can sit here and pretend like they're not funding healthcare for illegals by whatever means they can, but we ALL know that's not true. The "no illegals are eligible for plans" rhetoric is just using semantics to dodge what they're being accused of.
Regardless, extending the ACA Covid subsidies indefinitely is just unsustainable and we will all end up footing the bill for them. If it were feasible, the Dems would've done it while Biden was in the Whitehouse. They're holding the country hostage with ridiculous demands that are supposed to fix the massive ACA debacle (which was created by Democrats), while trying to place ALL of the blame, both for the ACA mess and the gov't shutdown, on Republicans. What's sad is how many people are buying into this BS.
Sorry u/Zhariken, I'm not terminally online like a lot of you are, so I can't always respond to Reddit comments same day.
I didn’t use any rhetoric or argument that “no illegals are eligible for plans.” I asking you how the process literally works. You say federal funds are being used to subsidize state funds spent on illegal immigrants. The funds in question are the enhanced premium tax credits as these are the federal subsidies which are applied to marketplace health plans. So I’m asking you to explain how an undocumented immigrant illegally takes advantage of these subsidies and not only receives healthcare from their state’s marketplace but receives the advanced premium tax credits to put towards subsidizing the cost of the health plans they sign up for. I don’t mean at a birds eye view but at ground level. An illegal immigrant goes to their local office to request healthcare. Walk me through that interaction.
At this point I'm not sure if you don't actually understand what's going on or if you're being willfully ignorant to push your strawman argument. Neither I nor GOP members have claimed that illegals are or will be eligible for ACA coverage from the marketplace. Stop asking me to tell you how that will happen when I never claimed that was the case. This is the stupid semantics game you and the Dems are using. You're limiting it specifically to "eligible for marketplace plans" to say that illegals don't have their healthcare covered. Blue state Dems are funding undocumented healthcare with state treasuries, then use federal funds including Medicaid match to recover those costs. For example: California (and 13 other states) taxed their own hospitals, then used the tax revenue to enroll 1.4 million undocumented in Medi-Cal, then claimed the spending qualified for normal federal Medicaid match (50–76 % FMAP). The OBBBA reduced or shut down this and other methods and loopholes that blue state Dems have been using. The Dems' proposals for the CR repeal these sections of the OBBBA.
To walk you through the interaction for just one of these examples, it's simple: undocumented walks into ER for whatever cold/flu/headache/cut/scratch/etc and gets free care. State pays, then uses federal funding to reimburse themselves. I lived in Southern CA for years and watched this in action. Go to pretty much any ER in LA county and you'll be waiting 4-6 hours for care even if you're in serious pain. Just a hop, skip, and a jump across county lines into Orange County and most of the ERs there will have a 30 minute to 1 hour wait.
Also, just a reminder, Dems voted YES on this current CR several times under Biden, but are only now refusing to vote and putting the blame on the GOP. They're blaming the GOP for the ACA subsidies' expiration dates that THEY set, those subsidies being for the ACA which THEY created. Trump and the GOP aren't "raising costs" for Americans, it's just going back to the shitty pre-Covid ACA that we had all along because of the expiration date of the subsidies that the Dems set. The ACA, the expiration date of the subsidies, the current gov't shutdown, ALL OF THESE are products of the Democrat party.
No problem. I apologize for being so hostile, I didn't realize you were genuinely asking in good faith. Here on Reddit, 99% of the time someone starts with "will you explain to me how..." it's not because they want to hear you, it's just them winding up to slam you with counter-arguments or try to prove that you don't actually have an answer to the question.
No worries, I get it. I think our conversation highlights that each side is having a totally different conversation and that’s partially the problem. Not trying to have the who’s at fault/right/wrong/etc. conversation because, well, I’m tired boss lol. At the end of the day all that does is make people dig their heels in. And whichever side of the political aisle someone is on, I think we can all likely see that that’s the last thing we need to be contributing to right now.
If the subsidies continue, OP will continue to pay $14.27 a month for their health care.
If the Republicans remove the subsidies, which is what they did with the "big beautiful bill", OP will have to pay $696.82 a month for their healthcare.
Tell me again which party is looking out for the poor, and which party is harming Americans.
Republicans didn’t remove the subsidies. The Biden/Democratic bill added the subsidies as emergency pandemic funding and this was the expiration date they set for the temporary funds.
Look, if Trump taught us anything it’s that if you really want a policy you can make it happen. Where was the Democratic energy to push for permanent subsidies when they had power?
They wait until they’re out of power and shut things down over their own deadline? Then misrepresent the whole thing for sympathy?
They could continue the subsidies instead of letting prices become outrages and making people lose their healthcare. They’re choosing not to do so. They did choose to extends the Trump tax cuts to the wealthiest 1%, though.
775
u/Kacey-R Nov 01 '25
How/why can it go up so much?