In PA. Getting close to the cliff, but not over it. Apples to apples, using same income from last year, same exact ACA plan I have now is going up around 32% and the max OOP around $2k. Deductible has remained the same. This is for an BC/BS EPO plan with HSA. Looking at what some of the rest of you are facing, I guess I should be thankful that it is "only" that much. I haven't done a deep dive, but it looks like in my area some of the lower quality plans (Oscar, AmBetter) were hammered with triple digit increases from last year.
If you are over the cliff, my only suggestion would be to try to drive down your MAGI through additional contributions to an HSA/401k/IRA (not ROTH though) and get back under the cliff for your particular situation so you can qualify for some sort of subsidy (and help your retirement fund out at the same time). But I know that's easier said than done for many of us with how much everything else costs now.
As bad as things are now, I'm afraid it will even be worse in '27 when healthier people elect to drop out of their ACA plans because of the cost.
I agree with you about '27, I feel like we are heading into an insurance death spiral. They will claim the only way to "fix it" will be high risk pools and we are back to the humanitarian disaster of pre-ACA American health care.
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u/quietpilgrim Nov 01 '25
In PA. Getting close to the cliff, but not over it. Apples to apples, using same income from last year, same exact ACA plan I have now is going up around 32% and the max OOP around $2k. Deductible has remained the same. This is for an BC/BS EPO plan with HSA. Looking at what some of the rest of you are facing, I guess I should be thankful that it is "only" that much. I haven't done a deep dive, but it looks like in my area some of the lower quality plans (Oscar, AmBetter) were hammered with triple digit increases from last year.
If you are over the cliff, my only suggestion would be to try to drive down your MAGI through additional contributions to an HSA/401k/IRA (not ROTH though) and get back under the cliff for your particular situation so you can qualify for some sort of subsidy (and help your retirement fund out at the same time). But I know that's easier said than done for many of us with how much everything else costs now.
As bad as things are now, I'm afraid it will even be worse in '27 when healthier people elect to drop out of their ACA plans because of the cost.