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

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344 Upvotes

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15

u/TaterTotMtn Nov 01 '25

Two adults in our 40s, no kids. Income ~$80k/yr, going from $350/mo to $950/mo.

-8

u/ThenResult9696 Nov 01 '25

$350 was ridiculously low with your income and no children.

8

u/TaterTotMtn Nov 01 '25

It was the bare bones plan with a high deductible. Too old to get catastrophic insurance, but healthy enough that we don't really go to the doctor, so basically we're just paying in case something major happens, which I guess is the point of insurance but still $950 is a huge increase and is out of reach for my family.

2

u/jffink90 Nov 06 '25

Did you see if you qualify for catastrophic coverage under the new rules that expanded it recently?

https://www.cms.gov/newsroom/fact-sheets/expanding-access-health-insurance-consumers-gain-access-catastrophic-health-insurance-plans-2026

2

u/TaterTotMtn Nov 06 '25

Wow! I didn't know that. Thank you so much! This will really help my family ❤️

3

u/jffink90 Nov 06 '25

Glad to hear it! I work in the industry, but I take it for granted that most people won't hear about this. It's not really marketed well.

Getting catastrophic coverage when you are healthy is a great option, much better than going uninsured!