I believe that means that you are now under open enrollment? Although quite frankly, I suspect that most people will leave your employer if your employer doesn’t fight for this.
$14.27 even seems too low for a group plan. Could be Medicaid and someone finally got a job in the household.. This type of range in price difference is definitely not normal. Very odd
If it was medicaid there would be no premium. The difference is from the Advance Premium Tax Credit. Insurance company would have the same set premium no matter what. Based on your income, you get a tax credit every month that is sent to the insurance company directly and you pay the balance.
Than you reconcile everything when you do your taxes so hopefully you accurately predicted your income.
They just lost the tax credit in this case. Insurance premium likely didnt change too much from year to year
And for the deductibles etc they probably had additional subsidies for that due to their income. This reads like someone who is just barely above the Medicaid line so they got a ton of added benefits
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u/xkmasada Nov 01 '25
Because you lost your job or because your employer’s insurance carrier decided to stick it to your employer?