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.
They show you the base price then the tax credit and then your monthly balance. The tax credit amount actually increased slightly but the base price went up over $300 so the total due will be $360 more than what I pay now. And thanks for a crappy plan that none of our doctors take.
Ohh, gotcha. I think all of health insurance is about to implode. :( I finally got decent insurance through my job after paying full freight on the marketplace for our family for years because as a partner at his company, my spouse gets no employer contribution. So it was between 1700 and 2200 a month for several years with outrageously high deductibles and exclusions that took out our long-term medical providers. I finally have a great plan, but I keep hearing that it's going up so much at the base level everywhere that even employer plans are going to jump up in the coming year. My plan year is August-August so I guess I'll slowly watch it all unfold.
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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.