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So.....did your insurance premium go up?
- American Politics
- 74 Replies
it begs the question why are private corporations so much better at managing the cost of healthcare than the government?From a survey of employers:
"Annual premiums for employer-sponsored family health coverage reached $26,993 this year, 6% higher than in 2024. On average, workers contributed $6,850 toward the cost of family coverage. The average deductible among covered workers in a plan with a general annual deductible was $1,886 for single coverage."
2025 Employer Health Benefits Survey | KFF
This annual survey of employers provides a detailed look at trends in employer-sponsored health coverage, including premiums, worker contributions, cost-sharing provisions, offer rates, and more. This year's report also looks at how employers are approaching coverage of GLP-1 drugs for weight...www.kff.org
My employer provided insurance plan for 2026 reflects the 6% rise noted above.
For those who don't have insurance through their employer, they face a diferent scenario:
"For 2026, across 312 insurers participating in the ACA Marketplaces from the 50 states and the District of Columbia, this analysis shows a median proposed premium increase of 18%, which is about 11 percentage points higher than last year. This is the largest rate change insurers have requested since 2018, the last time that policy uncertainty contributed to sharp premium increases. On average, ACA Marketplace insurers are raising premiums by about 20% in 2026. Based on a more detailed analysis of available documents from insurers in 19 states and the District of Columbia, like in prior years, growth in health care prices stood out as a key factor driving costs in 2026. Insurers cite increasing cost and utilization of high-priced drugs as well as general market factors, such as increasing labor costs and inflation, as contributing to premium increases.
In addition to rising healthcare costs, the majority of insurers are also taking into account the potential expiration of enhanced premium tax credits in their premium rate increases for the next year. The expiration of enhanced tax credits will lead to out-of-pocket premiums for ACA marketplace enrollees increasing by an average of more than 75%, with insurers expecting healthier enrollees to drop coverage. That, in turn, increases underlying premiums. Other federal policy changes, like the implementation of tariffs and the ACA Marketplace Integrity and Affordability rule were also discussed, though to a lesser extent."
How much and why ACA Marketplace premiums are going up in 2026 - Peterson-KFF Health System Tracker
Health insurers submit rate filings annually to state regulators detailing expectations and rate changes for Affordable Care Act (ACA)-regulated health plans for the coming year. A relatively small, but growing, share of the population is enrolled in these plans (compared to the number in...www.healthsystemtracker.org
To summarize, your wife and I are fortunate to work for employers who provide health insurance at an affordable rate. Tomorrow, either one of us could be laid off and be forced into the marketplace....a marketplace that is no longer subsidized by the government. And, if either one of us have pre-existing conditions, obtaining insurance by not be feasable.
A company with a couple hundred people in their employ can offer better plans at lower costs than the government with millions?
Healthcare That Fits: 16 Alternatives to Traditional Health Insurance HealthShare Guide |
Learn about 16 alternatives to traditional health insurance that provide flexible, affordable healthcare through options like HealthShares and DPC.
healthshareguide.org
That's what we did - $50.00 a month per person through our primary care and it covered standard visits, shots, x-rays etc.. We also took out a devastating illness insurance (69.50 a month) that covers major health issues. That make our current health coverage $169.00 a month.
My wife needed an MRI a few years back - cost of deductible with insurance $2,100.00 - cash price - $700.00.
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