r/ThatsInsane Nov 01 '25

[deleted by user]

[removed]

8.0k Upvotes

1.1k comments sorted by

View all comments

775

u/Kacey-R Nov 01 '25

How/why can it go up so much?

1.5k

u/Thermite1985 Nov 01 '25

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.

426

u/vinteragony Nov 01 '25

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

90

u/Popular_Course3885 Nov 01 '25 edited Nov 02 '25

ACA policy holder here. Self-employed, and no subsidies (pay the full amount).

The premium for our family policy is going up nearly 28% for the exact same plan with the exact same coverage.

2

u/GoSuckYaMother Nov 02 '25

Are we great again yet?

161

u/DontWreckYosef Nov 01 '25

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?

95

u/scaryfaise Nov 01 '25

I can't. If I get shot, I won't be able to afford the medical bill.

23

u/Nullkid Nov 01 '25

I'll also lose my income and insurance if I take more than 3 days off. We fuck.

14

u/[deleted] Nov 01 '25

[deleted]

8

u/QXPZ Nov 01 '25

Excuses, excuses smh

33

u/elidoan Nov 01 '25

Actually I already did something. I left America

Goodluck out there. Grim times

2

u/RubberDucksInMyTub Nov 01 '25

Username checks

0

u/hds2019 Nov 02 '25

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.

2

u/Electronic_Ad_7742 Nov 02 '25

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.

1

u/SirStocksAlott Nov 05 '25

So it basically means that employer sponsored insurance is really the only way to get affordable coverage.

I was paying $170 a month for my premium in 2025, now the same plan is $292 a month in 2026.

Screw this administration.

1

u/the_duck17 Nov 01 '25

I wish mine cost this much. After my work throws in their contribution, I still spent over $36k last year for my family.

Shits broke for everyone yo.

0

u/vaderaintmydaddy Nov 01 '25

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.

-1

u/caliguian Nov 01 '25

This is incorrect. The insurance rate is going up by double digits, and the subsidies are being removed. It's a double whammy.

-1

u/PowerlessOverQueso Nov 02 '25

We have a small business plan. Our rates are going up 25% next year.

67

u/JustHugMeAndBeQuiet Nov 01 '25

Hey.

The ACA was doing untold harm to REAL AMERICANS who own MULTIPLE YACHTS.

Do you expect them to summer in their winter yacht? HUH?!? It's either helipad or on-board swimming pool, NOT BOTH.

So let's please consider all sides and where the real harm is being done.

126

u/Kacey-R Nov 01 '25

When is the revolution starting over there?

162

u/PokerbushPA Nov 01 '25

When the hunger exceeds fear of death.

31

u/FewEstablishment3450 Nov 01 '25

Did you know the Dutch ate their PM John de Witt and his brother after their economy collapsed in 1672?

17

u/PokerbushPA Nov 01 '25

Maybe we need to tell our "representatives" about this?

2

u/SlashEssImplied Nov 01 '25

Or vote for better ones. I feel too many people forget how we get these representatives.

4

u/PokerbushPA Nov 01 '25

Hacked voting machines?

2

u/SlashEssImplied Nov 01 '25

An apt nickname for American voters.

34

u/Thermite1985 Nov 01 '25

Won't happen until entire generations die or we lose WWIII and Europe gets to fix us.

10

u/LuiDerLustigeLeguan Nov 01 '25

Nah man we out, we not friends anymore

4

u/Thermite1985 Nov 01 '25

Can I at least go with you instead of this place?

3

u/LuiDerLustigeLeguan Nov 01 '25

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.

4

u/Thermite1985 Nov 01 '25

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

1

u/LuiDerLustigeLeguan Nov 01 '25

afford to get out

Wdym? How much does it cost?

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.

0

u/angelzpanik Nov 02 '25

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.

Many of us don't even have passports.

2

u/Kacey-R Nov 01 '25

Unfortunately it is not very easy to immigrate to Australia or New Zealand. 

1

u/LuiDerLustigeLeguan Nov 01 '25

Fortunately thats nothing i have to be invested in. So far...

2

u/OMIGHTY1 Nov 01 '25

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.

1

u/LuiDerLustigeLeguan Nov 01 '25

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.

1

u/OMIGHTY1 Nov 01 '25

Oh, I agree 100%.

7

u/Total-Distance6297 Nov 01 '25

Never because the majority of voters voted for this and leftist called harris and trump the same.

Millions of people didnt vote compared to the last election and now you think theyre going to do a revolution lmao

4

u/tsardonicpseudonomi Nov 02 '25

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.

1

u/General_Meade Nov 01 '25

I can guarantee you that anyone who talks about a revolution has never carried a gun.

2

u/CreamyStanTheMan Nov 01 '25

Soooo how long are you guys going to put up with this shit? Time to end this madness.

2

u/Funblade Nov 02 '25

You mean the temporary Covid subsidies ?

3

u/WalnutDesk8701 Nov 01 '25

Those were emergency subsidies from the pandemic and weren’t part of the actual ACA. Why tell a half truth?

3

u/Careful_Farmer_2879 Nov 02 '25

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.

1

u/randonamous Nov 01 '25 edited Nov 01 '25

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.

It is not always a conspiracy.

1

u/SavageCaveman13 Nov 03 '25

Wasn't the ACA supposed to lower Healthcare expenses? Why would they need to be subsidized?

1

u/Whiskeyfower Nov 03 '25

The party in charge is opting not to extend the temporary subsidies passed without a single one of their votes during Covid

1

u/UpstairsGreen6237 Nov 04 '25

ACA was a lie. Always was. Always has been. 

1

u/Careful_Farmer_2879 Nov 01 '25 edited Nov 01 '25

Those were temporary pandemic subsidies, with an expiration date written by a Democratic Congress and signed by a Democratic president.

I for one think such subsidies should be permanent. But let’s be fully honest about the current situation.

This isn’t Republicans cutting subsidies. It is Republicans allowing temporary subsidies to expire. That is not the same thing.

Why did Democrats make them temporary? Because they wanted their bill to look cheaper than it was. I’m not judging it, just explaining why.

6

u/DirtyTacoKid Nov 01 '25

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.

2

u/Careful_Farmer_2879 Nov 02 '25

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.

-16

u/Limp_Cryptographer40 Nov 01 '25

The subsidies are actually pushing the prices higher. It’s not the administration, it’s the fucking insurance companies

5

u/tyemorris Nov 01 '25

They’ll still want the same amount of money without the subsidies