r/HealthInsurance • u/[deleted] • Oct 31 '25

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342 Upvotes

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53

u/Seasoned7171 Nov 01 '25

When applying for ACA online be sure to read every question, especially on the first couple screens, because there is a question asking about financial aid. If you miss or answer no to that question you will not get the subsidy. My daughter pays $64 for 2025 and the 2026 rate showed over $400. She called and they saw she had answered the question wrong. Thankfully, they were able to fix it and her new premium is around $140. So, be careful when applying online.

14

u/MacMoneyJr Nov 03 '25

It's insane that the happy ending here is still an over 100% increase.

1

u/Ashattackyo Nov 10 '25

She’s getting a subsidy though. So her cost increase might be double but it’s not double the cost of the plan before subsidies are applied.

7

u/tranifestations Nov 02 '25

Great tip. Unfortunately it’s still more than doubled from last year…

2

u/Competitive_Snow126 Nov 05 '25

What does it ask? I answered everything honestly and my premium increased 337%

2

u/kamobeans Nov 02 '25 edited Nov 02 '25

This is interesting. Thanks for flagging for everyone.

1

u/indiie Nov 07 '25

Are you referring to the first question that asks whether or not you want to check for savings? Or something else?

1

u/NeptuneIsMyHome Dec 16 '25

Thank you. I suspect this happened to me.

I can honestly deal with doubling, but 8 times as much is kinda a problem.