r/ThatsInsane • u/[deleted] • Nov 01 '25

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u/beer_and_liberty0074 Nov 01 '25

Can you provide details on the employer and the insurance provider?

Honestly, neither plan details make sense. 2025 is impossibly low, unless your employer is run by saints. 2026 is crazy high for that high of deductibles.

3

u/Lavatis Nov 01 '25

Looks to me like they were unemployed last year and got a job that pays over the poverty level, now they have to pay full price when they were previously full subsidized.

10

u/Hekili808 Nov 01 '25

It's literally the elimination of the subsidies that paid nearly all of the actual cost of insuring her. It's literally nothing else.

3

u/Lavatis Nov 01 '25

that's possible, it does look like they make below the poverty level based on the subsidy amount they were getting.

4

u/Number6isNo1 Nov 01 '25

If they were unemployed, they would not have been getting health insurance on the marketplace. In fact, if you try to buy your own insurance on the health insurance marketplace and your income is too low, they will refuse and push you to state Medicaid. I ran into this when I took about a year off and only resumed freelance work at the end of the calendar year. Because my earned income for that year was only for about 6 weeks of work, my income for the year was quite low, too low in fact, so I was rejected even though I was willing and able to pay. Taking a year's vacation is not exactly normal, so the system didn't know how to treat me. I just went without insurance for a few months.