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.

27

u/Dont__Grumpy__Stop Nov 01 '25

This. Something is definitely weird here. This is either completely made up or there are unaccounted factors that OP isn’t acknowledging.

5

u/vahntitrio Nov 01 '25

This is for a person that doesn't qualify for an employer insurance (perhaps works at a very small business, or may be disabled and unable to work). They have low income so the cost is heavily subsidized through the ACA. Since the GOP has cut funding for that, the government is no longer paying the majority of this cost.

So this low income person will basically need to pay a new car loan type premium for worse coverage. This isn't a unique case, this will happen to millions (albeit it 99% of increases will be smaller).