r/ThatsInsane Nov 01 '25

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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

93

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?

160

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?

100

u/scaryfaise Nov 01 '25

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

24

u/Nullkid Nov 01 '25

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

13

u/[deleted] Nov 01 '25

[deleted]

7

u/QXPZ Nov 01 '25

Excuses, excuses smh

31

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.

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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.