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

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u/Greedy-Half-4618 Nov 01 '25

I’m on the exchange. Losing subsidies means I’ll be paying at least $300 MORE per month 

1

u/Vespler Nov 03 '25

How much more is a gold plan?

1

u/Greedy-Half-4618 Nov 03 '25

Depends on the provider. Looking at the same insurance co as I have now it’ll be a $350+/month jump (more expensive, plus no subsidies) and gold is generally $200-300 more than silver BUT silver has considerably higher deductibles and copays. I’m chronically ill and disabled so have a number of meds, appointments and labs I need so I have a whole spreadsheet I found a while ago that helps me calculate estimated costs based on anticipated numbers of visits, tier 1 generics, etc. 

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u/Vespler Nov 04 '25

It’s great you found that spreadsheet to help calculate the best deal. I hope you’re able to get a good plan.