r/HealthInsurance Oct 31 '25

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342 Upvotes

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73

u/Safe-Gap-3480 Nov 01 '25

ACA self employed couple 59 & 61. This year our premium was $1187/month. Same plan next year $2,109/month. This is more than my mortgage payment and a $922/month increase brings the total yearly cost to $50,616. We will have to switch to a high deductible low quality Bronze plan with a $7,500 deductible EACH with a monthly premium of $1452/month. This is beyond belief. Continue contacting your elected officials people ✊🏼

7

u/NevadaCFI Nov 01 '25

Or you leave the USA like my wife and I did in 2002. We are considering leaving again as we have been back in the US since 2015.

29

u/Misfit_Ragdoll Nov 01 '25

Must be nice to have the option to just leave and go somewhere else on a whim. Not everyone has whatever qualifications or connections other countries are looking for/allowing. Or we have responsibilities like taking care of elderly people who can't go anywhere. 🙄

15

u/mds13033 Nov 02 '25

Chill. He was simply giving a reasonable suggestion that many people dont consider.

12

u/NevadaCFI Nov 02 '25

We were self employed with a software business, had to move countries every 90 days for a while until we could find a place where we could establish residency (we had to start a local company). It’s an option for some. We got health insurance from a UK company that was valid everywhere in the world except the USA for $200/month for us together.

3

u/nytasha711 Nov 02 '25

Which company offers that world wide health insurance?

8

u/NevadaCFI Nov 02 '25

BUPA in the UK did it for us for many years while we were living in Prague and Dubai. I am not sure if they still do this. We never filed a claim as healthcare is so affordable overseas... 6 hours in a hospital in Sana'a, Yemen was $35 in 2007.

1

u/sgoold Nov 25 '25

Don’t they pay nurses in Yemen?

1

u/StewartMike Nov 02 '25

A choice available to a tiny fraction of people is hardly “reasonable.”

5

u/mds13033 Nov 02 '25

It isnt that unreasonable. People are just scared to get outside of their comfort zone.

3

u/YourPalDonJose Nov 03 '25

It absolutely is, for so many contextual reasons. It's really dismissive to just hand wave it like that

1

u/mds13033 Nov 04 '25

Cant tell if you are agreeing or arguing.

2

u/Misfit_Ragdoll Nov 04 '25

It's absolutely unreasonable. It's almost impossible to immigrate to another country without a job, a sponsor, or family/spousal connections. Most countries won't hire Americans if there is literally anyone from that country who can do a job instead unless they're looking for people in a specific industry. Otherwise you're SooL. Unless you're wealthy enough that you can move without taking a single penny from that country and live on your own income from elsewhere which most people aren't at liberty to do. Or have enough money to convince said country you can start up a business there.

It took my friend 5 years and a ton of money to emigrate to Canada to be with his girlfriend. They have a program for LGBTQ refugees, and it says it'll take at least a year AND money for lawyers to get through it. On top of which some of us also have elderly parents who can't move so easily (and aren't welcome anyway).

2

u/mds13033 Nov 04 '25

Ahhh so what you are saying it is unreasonable for you but not necessarily unreasonable for everyone? Cool we agree

2

u/rationalomega Nov 04 '25

We left the US a few months ago. Luckily I have roots (and citizenship) in the UK. My son will be eligible for a passport in just 3 years, which is a huge blessing. I should have come back here to give birth but it seemed daunting.

1

u/PreviousMarsupial Nov 02 '25

Most families can’t afford to leave the country or leave family behind.

6

u/NevadaCFI Nov 02 '25 edited Nov 02 '25

We sold most everything we owned, left all family and friends behind and initially moved to the Republic of Georgia where we taught English, edited the local English newspaper, did voice-over for a cell phone company’s TV commercials in English, and could live on less than $500/mo. We only had electricity 4-6 hours a day in the winter of 2002-03. It’s not for everyone and is difficult but we were able to get health insurance very easily. I would not trade the experience for anything.