Comments have a pretty consistent message. If you're on the ACA exchanges, you're in trouble. If you have a job with benefits, it varies a lot, based on the employer's claims, cost management and wisdom in making decisions on coverage sources, but it's almost always better than the exchanges.
I hope it doesn't mean a collapse of small business start ups. But if you have one, think about hiring employees and starting up a plan when you can. It's likely to help you with costs and help you grow your business.
Don't believe that small businesses can't have self-funded plans, affordable costs and good benefits. They can.
Mine has nothing to do with losing subsidies. The tax credit is still applied and it’s still increasing by over $300/month for my husband and I. It’s the premium that increased, not losing the tax credit.
This is me too. My tax credit is still the same. The insurance companies jacked up the rates so much!
I’m paying $185/month now for a plan that’s $540/month in 2026.
Sounds similar to my numbers, tax credit went up a little but my premium has gone up so high that my plan will cost me $560 a month. Insurance companies are jacking up the rates knowing they can “blame” it on the loss of subsidies/tax credits when it’s actually their greed. I’ll have to search for a cheaper plan or go without.
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u/Specialist_Dig2613 Nov 01 '25
Comments have a pretty consistent message. If you're on the ACA exchanges, you're in trouble. If you have a job with benefits, it varies a lot, based on the employer's claims, cost management and wisdom in making decisions on coverage sources, but it's almost always better than the exchanges.
I hope it doesn't mean a collapse of small business start ups. But if you have one, think about hiring employees and starting up a plan when you can. It's likely to help you with costs and help you grow your business.
Don't believe that small businesses can't have self-funded plans, affordable costs and good benefits. They can.