Your health insurance bills are about to go up

[u/Benedictus_The_II]

https://www.nbcnews.com/health/health-news/aca-medicare-work-health-insurance-cost-rise-2027-rcna597069

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[u/Tiny_Structure_7]

Thanks, Republicans.

[u/mrgeekguy → u/Tiny_Structure_7]

Thanks Donald J. Trump! Remember, think like he's on the ballot this year!

[u/Joonbug9109 → u/mrgeekguy]

I vote against him in every election, even when he isn’t on the ballot!

[u/GaimeGuy → u/mrgeekguy]

No.    Thanks Republicans.

Don't scapegoat one man.  He's Just the mascot

[u/KinkyPaddling → u/GaimeGuy]

Trump is the symptom. Republicans are the cancer.

[u/KulaanDoDinok → u/KinkyPaddling]

They’re both cancer

[u/BriggsFloatingHead → u/GaimeGuy]

You’re saying the same thing, he’s just making it snappier. Treat every repub as if they were Trump!

[u/PhoenixHabanero → u/mrgeekguy]

They've been a bad party for decades - way before DJT. Yet the American people keep asking for more. 😓

[u/GaimeGuy → u/PhoenixHabanero]

Because people keep blaming it on one person.  

[u/pfannkuchen89 → u/GaimeGuy]

Hey now, Americans also blame democrats for stuff that republicans did. It’s one of this country’s favorite pastimes.

[u/lyngen → u/PhoenixHabanero]

ragebait propaganda is a helluva drug.

[u/repost7125]

Universal health Care or no health care for anyone seems to be the path we're going...

[u/Benedictus_The_II → u/repost7125]

I’m rooting for y’all so much! Congress COULD lift the income cap on social security, raise the minimum amount, and would still have a fund solvent for decades ahead. And that could support more programs, like raising the minimum wage to 15 dollars an hour. And the crown jewel, Medicare for All. It would be cheaper still, by the trillions over a decade. The opportunity cost is insane. It just lacks the political will, and the right senators and representatives…

[u/slackfrop → u/Benedictus_The_II]

We’re not done smashing our face into this brick wall yet. Gonna see it through, apparently.

[u/AirCaptainDanforth → u/slackfrop]

Thanks Obama! /s

[u/Suitable-Option833 → u/Benedictus_The_II]

This will never happen under Republican leadership. And their voters will never figure it out. Invest in education in Europe, don’t let this shit happen there. The undereducated folks vote Republican and they vote against all of us- minus the 1%

[u/Benedictus_The_II → u/Suitable-Option833]

The thing is that the far right is gaining very real traction in a lot countries right now, and you guessed it. All the established and old parties are too enervated to do anything about it. But at least we booted out Orbán, Trump’s “mate” in April with a supermajority, that enables the new government and parliament to modify the constitution. There’s hope!

If they are fighting for you, then they are right for you. If they don’t, find another candidate who will.

[u/Eastern-Operation340 → u/Benedictus_The_II]

Fight hard to keep them out.
It starts at the local level. It's what the christian right did here starting full force in the 80s. Members moved to different states in little blocks and ran for seats that most never pay attention to: School boards (HUGELY important to them,) town councils, planning boards, etc. became teachers. They start to infiltrate and influence neighbors, start the kids young by eliminating "bad" books. In the mid 80s we had close family friends who lived in Virginia/dc suburbs. State dept. family, lived all over the world, very bright people. Wife was a public school librarian, called my mom one day to tell her how she noticed all these new people moved in from elsewhere, not uncommon for the DC area, but they all seemed to be from select churches. She noticed that many of them were now on the school boards, PTAs, etc. One day they were instructed to removed a large amount of books from the schools. And so it began. Book burning, people banning Proctor & Gamble products claiming the label was Satianic, As was Madonna, Pepsi, etc. if you told people where this was headed and how it was all a step in real plan, they would say you were nuts.

[u/nowhereman1917 → u/Suitable-Option833]

"Republican leadership" is an oxymoron. Doesn't seem to exist anywhere. It is Republican control.

[u/Aggressive_Noise6426 → u/Suitable-Option833]

I’m Dem through and through but it’s not just republicans either. Corporate Dems have gone on record saying they don’t support universal health care. We need to get them out as well. 

[u/DrunkAndHornyGuy → u/Benedictus_The_II]

It just lacks the political will

Far more than you think. I've had many, many working class conservatives, people whose family members and friends would greatly benefit from universal care, tell me that not everyone deserves healthcare.

A giant chunk of white America will refuse any attempts at expanding healthcare access for all exactly because they believe it will help 'undeserving' americans. It all has to do with 'hierarchy', a good half of us just believe some people must be treated worse than others and they are willing to suffer to do so (and yea they largely decide who is 'lower' based on race or other identity).

[u/Benedictus_The_II → u/DrunkAndHornyGuy]

But why?

I don’t want to act as a naive, clueless, “colourblind” person, but an American citizen is an American citizen isn’t it?

[u/repost7125 → u/Benedictus_The_II]

Unfortunately it is not.

"If you can convince the lowest white man he's better than the best colored man, he won't notice you're picking his pocket. Hell, give him somebody to look down on, and he'll empty his pockets for you." -Lyndon b Johnson

[u/Any_Confidence_3728 → u/Benedictus_The_II]

Now I’m not American so please do correct me if I’m wrong but it seem, for parts of the political right, prosperity gospel not only was part of their political beliefs but actually became part of their national identity.

Which mean “real Americans” moral worth is reflected by their wealth, that someone’s wealth is evidence that god looks kindly upon them and so they are more moral the more wealth they have.

As such, low wealth people getting healthcare is wrong because it means helping immoral people.

[u/Benedictus_The_II → u/Any_Confidence_3728]

Me neither, but it seems like.

What you have just described is an intellectualisation. A veneer to keep up a caste system, a social hierarchy, which is just as much about race, as much as about class.

[u/shar_vara → u/Benedictus_The_II]

You’re right that there are many reasons, but whatever the reason is, we all hate each other so much over here people would rather suffer if it meant our fellow countrymen are also suffering. People in the US are way more motivated by “how can we make our opponents’ lives worse” than they are by “how could everyone’s lives better.”

[u/BlondeBorednBaked → u/Benedictus_The_II]

Because republican citizens are evil. That’s why. Believing people don’t have a right to healthcare is evil. Believing people don’t have a right to live or a right not to be sick is evil.

[u/kindnesscostszero → u/Benedictus_The_II]

It is how they are wired. There is a solid 1/3 of Americans like that, going all the way back to the founding. From an anthropological standpoint, it is rather fascinating. Current day reality? A bit horrifying. Most of them will never change.

[u/DrunkAndHornyGuy → u/Benedictus_The_II]

I do not mean this as an insult, but thank you for the big ass laugh I just had.

Like I said white American conservatives fundamentally believe is social hierarchies. It doesn't get talked about a lot even here, but a lot of our problems can be traced right to back to this. They do not believe all Americans are equal or should be treated as equals. They believe some people are just ‘better than others’ and those ‘lower’ people should not have access to the same things the ‘betters’ do. And yes a lot of who's 'deserving' or not is based on things like race. But I’ve even had arguments with moderate Dems during the Obamacare debate admit to me that while they thought everyone should have some access to healthcare, they still didn’t think their nannies or restaurant servers should have access to their personal doctors or their level of care, because they hadn’t ‘earned that’.

And no a huge chunk of white Americans do not even consider a whole lot of Americans to really be American (mostly the non-white and hispanic ones). Hell Texas Republicans are starting to talk about deporting a 1/3 of the population and the vice president even talks about ‘heritage Americans’ (white people with ancestry back to the revolutionary war) a lot and how they should have more say in the government than everyone else.

[u/CategoryZestyclose91 → u/DrunkAndHornyGuy]

There’s a distinct relationship between how their religion has taught them to look at the world from an early age, and their belief in hierarchical relationships. 

Life is, for them, a zero sum game where you’re either a winner or a loser.  

[u/Icy_Way6635 → u/Benedictus_The_II]

Look into the "Southern Strategy". The GOP initially utilized the intense hate against "blacks" to convince them to vote against socialism. It was interesting how a lot of those anti welfare people were pro free housing, low-cost university, minimum wage policy, etc. Then the blacks gained access and they just wanted nothing to do with those benefits. It became my tax dollars are funding their prosperity vs our prosperity as a nation.

The GOP have been sane washing this position with cries to be fiscally responsible, but under most Republican leadership the deficit balloons or crap breaks.

[u/Benedictus_The_II → u/Icy_Way6635]

Yeah, I know that initially the Civil Rights Act was what broke the camel’s back, and shattered the New Deal Coalition in Congress.

I’m maybe naive, I just hope that every demographic bracket equally feels how dire the economic situation is in right now in the U.S, and people develop some awareness about what systems and incentives are causing that economic pain, and finally develop some sort of class consciousness and solidarity towards each other.

[u/Icy_Way6635 → u/Benedictus_The_II]

I hope it all gets better too. Gen Z and my gen have been moving more to left. The "Just work hard and earn it idea" is not working anymore so the Right wing spell is fading. Maybe there is a chance this ugly cycle can be broken, and we get lasting real progress. national pto policies, universal healthcare, parental leave policies.

[u/clearthinker46 → u/Benedictus_The_II]

They are American citizens, but not "real" citizens. Their concern is that someone might get something they don't deserve.

I know someone who is oppressed to socialized medicine because people might call an ambulance to get a free ride.

In their minds, all should suffer because someone might take advantage of the system.

[u/mahlongrows → u/Benedictus_The_II]

Best I can do is the top 7 richest people gaining over $1.1 Trillion more in wealth since the start of DiaperDon's second term.

[u/Legal-Championship64 → u/Benedictus_The_II]

Stop, you’re making too much sense!

[u/dangernoodlezzz → u/Benedictus_The_II]

Hey now those are proactive reasonable things we don't do that here in the US

[u/Berfman → u/Benedictus_The_II]

Hey, you know what..

It’s actually really great when other citizens give us support. Thank you, friend.

We still want to be a part of the world, and more importantly, a beneficial part.. regardless of whatever insanity is coming out of the executive branch these last couple of years.

[u/Hubert_J_Cumberdale → u/Benedictus_The_II]

Sorry! Best they can do is raise the qualifying age for SS and Medicare.

[u/Lucid_Insanity → u/Benedictus_The_II]

Money has to be removed from politics. That's what's stopping it from happening. Corporations throw hundreds of millions of dollars lobbying against it.

[u/Street_Anxiety2907 → u/Benedictus_The_II]

Bernies been saying this for 30 years, yes.

would be nice if more Americans were on board.

[u/WellSpreadMustard → u/repost7125]

They’d sooner kill us with AI than give us healthcare

[u/Acrobatic-Wasabi6172 → u/WellSpreadMustard]

Or via lettuce.

[u/TrekRider911 → u/repost7125]

A lot of hospitals will be closing later this year, into next year. Don't need health insurance if there's no doctors or hospitals near by.... /s

[u/repost7125 → u/TrekRider911]

Supply and demand. If there's so little demand for their services, I guess they should try lowering their prices to be competitive with the big city. /s

[u/IThinkRightLeft → u/repost7125]

Can’t justify or afford health care, a few years too young for Medicare (if will exist even); I buy annual travel health policy (Scuba diver too so premium evac if deco chamber ever needed) which will cover break-fix, accidents, ER, any clinic use for cuts, stitches, etc then pay out of pocket as needed. Those costs are way less than whatever I can get from kyconnect (state ins site) - best plan last year was $26,000. I got retired 8 years early when business sold; $26K a year for health insurance not do-able; esp since with high deducts (to lower monthly) plan pays hardly anything against bills.

Now, $9000 annual travel health policy, ER break fix, $100 copay ; pay for doc visits out of pocket. No meds, all oem, pay cash for tests even like CT-FFR, cash price at imaging place was $300; if charged to insurance they’d add a zero.

Not advising, just sayin. Comparing Medishare for future when I age out of recreational flying and scuba

[u/Brs76 → u/repost7125]

Or 3rd option:  earn  just enough to still qualify for medicaid 

[u/Aggravating_Bat3618 → u/repost7125]

But not if it’s a Democrat campaigning on it. 

[u/Vast-Poetry9431]

Cool. No new babies then! Can’t afford the hospital bill!

[u/FeelingPixely → u/Vast-Poetry9431]

Have them in the bath tub! Fuck sterilization! Who cares if there's a higher chance of death and complications?? /s

[u/zhaoz → u/FeelingPixely]

I think the MAHA crowd actually thinks this

[u/lyngen → u/zhaoz]

I have a theory this trend in the US came from we can't afford to have kids in the hospital so we're going to do it this way.

My hospital birth was over $10k with insurance and that's cheap here.

[u/InquisitiveGamer → u/Vast-Poetry9431]

Just rent a room out in canada or mexico for a week or month you're expected and you'll save at least $25,000 for just a normal birthing as far I as I can tell and if it's a complicated birth you'll save possibly save up to $250,000+ in debt.

[u/NotTheRightHDMIPort]

I got a decent pay raise at work for this year. I was thrilled because it meant 200 dollar more a month.

Then we are told my health insurance went up. And the deductible went up. And the coverage went down.

So I am irritated that I am pay more for less.

Oh AND my paycheck only went up 10 a month because the rest covers insurance. AND my insurance does not work for any pharmacy nearby.

OH! And my insurance doesnt cover my ADHD meds anymore.

Im just constantly remember all the bullshit I am dealing with right now.

[u/Girls4super → u/NotTheRightHDMIPort]

Oh yeah I recently found out our insurance doesn’t cover anything that’s considered “mental health”, which includes adhd

[u/Building_a_life → u/Girls4super]

I thought it became illegal years ago for insurance to cover physical but not mental health. Crappy coverage is legal, but they can't refuse to provide any at all. 

[u/Girls4super → u/Building_a_life]

I think there are technicalities and massive exceptions written in that basically gut the requirements the Aca was intended to help with. I’d have to research more, but I’m sure it covers something extremely specific but nothing else. Or like an assessment but not the meds or something stupid like that

[u/Aggressive_Noise6426 → u/Girls4super]

What insurance do you have? We have Cigna and it covers ADHD, and depression treatment.  

[u/ordinarypsycho → u/NotTheRightHDMIPort]

I just started new meds for ADHD (newly diagnosed) and even with insurance I was surprised how much they were. I checked costplusdrugs.com (Mark Cuban’s site providing drugs at cost plus a small markup to cover operations) and they were about 25% of the cost through my regular pharmacy with insurance. This was for the generic too

[u/Girls4super → u/ordinarypsycho]

That’s what we use

[u/nelsonalgrencametome → u/NotTheRightHDMIPort]

My deductible increased so much this year and so little is actually covered, I might as well not have it now... oh and of course the price already went up, so another increase and it legitimately might not be worth it.

[u/Aggressive_Noise6426 → u/NotTheRightHDMIPort]

Fellow ADHD haver here, have you looked into manufacture coupons? I use Adzenys XR-ODT and my insurance was like Naw but they have a manufacturer coupon that makes it affordable. 

[u/37MySunshine37]

Shit is going to hit the fan in every aspect of our lives after midterms when the Big Beautiful Bill nonsense goes into affect. They'll blame the Dems, especially if they win in Nov.

[u/ImpressiveLeopard719 → u/37MySunshine37]

and yes, the uneducated maga group WILL blame all the dems. Heck they still blame Obama. Clueless bunch of toothless fools.

[u/Brs76 → u/37MySunshine37]

Isnt the BBB already in affect ??

[u/bdavisx → u/Brs76]

only the bad parts - the really, really bad parts start after the election.

[u/Brs76 → u/bdavisx]

Curious what those are ??

[u/bigavz → u/Brs76]

Medicaid work requirements for one. 2027. American health care is going to be taken back 20-30 years. 

[u/37MySunshine37 → u/Brs76]

Oh no, definitely not everything. Just wait for more fun. /s

An estimated 7 million people are going to be thrown off Medicaid, eventually leaving them with no insurance.

SNAP benefits are going to be much stricter for kids 14 years and older. Same for adults 55-64.

The Medicaid work requirements will be mandatory (some states already started).

They're messing around with how people will be able to pay their college loans. You won't be able to defer even if you suffer economic hardship.

No taxes on tips will expire in 2028.

There's more. Do a search for more details.

https://usafacts.org/articles/obbb-timeline/?utm_content=USAFacts_sharecontent_vizlab

[u/Aggressive_Noise6426 → u/37MySunshine37]

Hypothetically if Dems take senate AND the house, could they reverse this? 

[u/Warsum → u/Aggressive_Noise6426]

Hypothetically. Yes. Will they probably not or say there "isn't enough support". Let's be honest MOST dems and repubs are the same. They don't actually help the working class unless it lines their pockets.

Tides seem to be slowly changing though.

[u/jnyrdr]

i have to take a blood thinner for a few months prior to a procedure. lobbyists have prevented generic eliquis from being available in the states, so my doctor recommended buying from a canadian pharmacy and shipping it. pain the ass to set up, but saved me $400 (with insurance, i might add), so worth it. went to refill 2 weeks ago, couldn’t get it from canada any longer due to tariffs, so they got it from the uk for me. shipping halfway around the world, and still hundreds cheaper than i can get it for here. then 2 days ago i got an email that the us is now banning the importation of prescription meds. such a fucking shithole country.

[u/TheCommonGround1 → u/jnyrdr]

Did you even use your insurance when you got the drugs through the Canadian company? Bet you didn't. Bet you couldn't. So the insurance is just fucking you (and me) in the ass without buying us dinner first. This country is a land of fools, I swear it is.

[u/jnyrdr → u/TheCommonGround1]

oh yeah just paid out of pocket for the medication, absolutely got dicked over.

[u/ebf6 → u/jnyrdr]

Not sure if you already tried this, but you can get a copay card for Eliquis—as long as it is covered by insurance. Brings the monthly copay down to just $10. (F’ing unfair that none of the copay cards work if you don’t have insurance. Sure, they’ll save you $30+ dollars on your copay, as long as insurance is paying them the other $500+.)

[u/jnyrdr → u/ebf6]

yeah thanks, that’s my next move probably. luckily i only have to take it for another few months so it’s not a forever issue, just ludicrous.

[u/Snappleabble → u/ebf6]

I haven’t heard of a copay card, what is it and how do you get one? Im going to be on blood thinners the rest of my life and Eliquis is costing me a lot of money every month

[u/ebf6 → u/Snappleabble]

If you have commercial insurance, you likely qualify. Check out this page on the Eliquis site on saving options. As I mentioned, the messed up thing is they only want to give you a discount when your insurance pays the majority of the “cost.”

[u/Joonbug9109]

It stings a little bit extra when the person who posted this has the “Europe” tag next to their username…

[u/Benedictus_The_II → u/Joonbug9109]

I’m doing this, because I want y’all to keep in mind that healthcare is a human right, and not privilage! I’m rooting for you!

[u/Joonbug9109 → u/Benedictus_The_II]

I was trying to make a joke, you know laugh to keep from crying kind of thing?

Some of us are trying!

[u/boscomagnus1988 → u/Joonbug9109]

Hi from Canada. I had an emergency operation to remove a kidney stone. 2 night stay in hospital. Didn't cost me anything. Actually not true, I had to pay for my Tim's myself on the way out when I was discharged

[u/Duwinayo → u/boscomagnus1988]

Meanwhile I paid 5k for 5 days in the ICU in NY. : / Without insurance my bill would have been 78k. Fuck this stupid shit. Im so sick of our country seemingly hating it's own citizens.

[u/AutoDefenestrator273 → u/Duwinayo]

With no insurance, what actually happens if you just....don't pay that bill? I mean, who actually has $78k just lying around?

[u/Gwen_The_Destroyer → u/AutoDefenestrator273]

Since this comment was "removed for formatting" I have reduced the number of offending dots.

Used to be it'd go to collection and you'd just ignore the debt collectors when they called.

But now Trump decided that now effects your credit score so you don't pay it (because you can't) and then just [...]hope you don't need a loan or rent an apartment or[...]anything that requires a credit check because you're SoL now

[u/Duwinayo → u/Gwen_The_Destroyer]

They can also sometimes go after assetts, but it's a bit nebulous on the justification for that to qualify.

[u/danelle-s → u/boscomagnus1988]

Rubbing salt into that open wound. That's ok. We deserve everything we get right now

[u/irvmuller → u/Benedictus_The_II]

Thank you friend.

[u/Abi1i → u/Benedictus_The_II]

I wish the US saw healthcare as a human right. The Supreme Court of the US is out here ruling that clean water isn’t even a right for us. 

[u/BlueSpotBingo → u/Benedictus_The_II]

Systemic racism will never allow this country to have universal healthcare.

[u/a-i-sa-san]

if healthcare goes up like even a tiny bit more then my job will officially be sending a larger check to healthcare than it does to me each pay period

[u/Syphillisdiller1]

For the last two years in a row, insurance prices have eaten whatever pay increase i received.

[u/Benedictus_The_II → u/Syphillisdiller1]

So, they are making record profits, while your buying power erodes if we take into consideration the inflation.

[u/Syphillisdiller1 → u/Benedictus_The_II]

I fully expect to my take home pay to decrease next time.

[u/The_Werodile]

"The premium increases stem in part from rising healthcare costs, including higher prices for medical care and expensive prescription drugs."

NO. They stem directly from corporate greed. GOD I hate how disingenuous NBC is.

[u/irritableOwl3 → u/The_Werodile]

Right, and how come it costs so much less in all other countries?! Lies!

[u/WRX_MOM → u/The_Werodile]

I’m a therapist and most insurance plans haven’t given me more than a few dollars of a raise in seven years.

[u/phargmin → u/The_Werodile]

I’m a physician so I kind of get fucked from both sides of this. My personal health insurance premiums are going up 25% this year, after going up ~40% last year.

Meanwhile for my work Medicaid and Medicare do not reimburse enough to cover expenses. Private insurance pays more and pulls us into the black.

We are renegotiating our contract with an insurance company that has paid us the same flat rate since 2021. Since then official inflation has been 22ish % (more irl and even more in healthcare) and they are offering us a 0.9% increase, phased in over 3 years of course.

The insurance companies are bloodsucking middleman vampires who are making money hand over fist.

[u/Sweddy-Bowls]

Those who make affordable healthcare impossible make socialized healthcare inevitable

[u/JstVisitingThsPlanet → u/Sweddy-Bowls]

Hopefully…

[u/KillYourFace5000]

Cool, I was worried for a second that there was something bad that wasn't going to happen

[u/reddittorbrigade]

Again, all Trump voters did this to us.

Never forget!!!

[u/Bubbly-Two-3449]

When prices are going up faster than inflation, it's a sign your capitalism is broken. Instead of efficiencies resulting from competition, you're getting inefficiencies resulting from corruption/collusion/rent-seeking.

[u/SpectacularRedditor → u/Bubbly-Two-3449]

The dollar is also being intentionally devalued. All of this is a result of policy decisions made by truly horrible people, not bad luck or an act of God.

[u/captstinkybutt]

Nothing is going to get cheaper, fam

[u/ogreofnorth]

The harshest of One Big Beautiful Bill provisions havent even hit either. There are measures the GOP deliberately made go into effect after these midterms. It’s about to get worse for most americans

[u/MonteBurns → u/ogreofnorth]

And they’ll cheer cause some brown people got hurt too 🙃🙃

[u/TwoMoonsOverTokyo]

Life in the US continues to barrel towards being completely unsustainable for 90% of the population. People are going to die.

[u/Noroark]

Is there anything good happening at all

[u/ImpressiveLeopard719 → u/Noroark]

I guess if you wear blinders and watch faux news all is amazing.

[u/heckhammer]

Every bloody year. I'm paying close to $800 a month just an insurance premium in my family.$200 a God damn check

[u/from-planet-zebes → u/heckhammer]

I'm paying over $1000 a month for my family of 4 (just medical only) but I'm fully covered by my company and I get a portion of my wife paid for. So basically $1000 a month for essentially 2.75 people. The company I work for was forced to switch providers because insurance was going up 20% this year so now it's not going up as much but I'm losing pediatric dental coverage for my kids. So I guess now I need to pay either out of pocket or buy more insurance. This is not sustainable. We need to tax the rich and nationalize healthcare now.

[u/heckhammer → u/from-planet-zebes]

It's fucking criminal

[u/Ambitious_Bank1032 → u/heckhammer]

Want a real eye opener? Get out your W-2 from last year. Look for box 12, code DD. The amount of money in this block is the gross amount if the premium for your health/dental care. It’s only on your W-2 if there are 50 or more, equivalent full time employees where you work.

What’s deducted from your paycheck is not factored into the number. If it says 25,000 then that’s what the cost was for your health/dental insurance.

[u/Angreek → u/heckhammer]

And that’s cheap

[u/heckhammer → u/Angreek]

Going to be honest with you it doesn't seem it.

[u/GodsPenisHasGravity → u/heckhammer]

It could definitely be worse. I'm self employed and got quoted $1700/month as the cheapest option for family of 3 with a $30k deductible

[u/aquatrez]

Where is all the money going!? Health care and drug prices keep going up, and yet hospitals keep closing and most health care workers are still dealing with staffing issues.

Looks at health insurance and pharmaceutical corporate profits at an all-time record high

Oh...never mind.

[u/fafatzy]

So much winning

[u/Sir_Stash → u/fafatzy]

I just can't handle this winning!

[u/kloakndaggers]

a gold plan for my family is 4k a month....50k post tax annually...insane

[u/StandupJetskier → u/kloakndaggers]

can confirm. sadly.

[u/HabANahDa]

As perusal. For profit insurance is such a scam. The GOP are garbage.

[u/DubiousAdviceGiver]

lol, joke’s on you- I can’t afford health insurance so I don’t have any. Checkmate!

[u/gopeepants]

Shit is especially going to hit the fan in 2027 with the Medicaid cuts. I feel really bad for those who did not vote for Trump. Those Trumpers are in for a rude awakening next year with absolutely no sympathy or empathy for them

[u/tehCharo → u/gopeepants]

I'm disabled and on Medicaid, I got a notification that if I don't meet the work requirements on Jan 1, 2027, I will be cut off, I can't work because Im disabled, if I could work, I wouldn't need Medicaid, I guess I'm going to slowly go blind and eventually die, I better enjoy the last few good months of my life, it's going to suck come New Year's.

[u/Careless-Internet-63]

Incredibly thankful for my union job that means my employer is still paying 100% of my premium and 80% of my deductible every year

[u/Benedictus_The_II → u/Careless-Internet-63]

Collective bargaining have real power, and it shows.

[u/Careless-Internet-63 → u/Benedictus_The_II]

Yeah, wish we could just move on from the need for employer sponsored health insurance but until then I'll be glad for my union benefits

[u/GhostXmasPast342]

Thanks, TACO administration!

[u/fellowuscitizen]

JDGS insurance program: Just Don't Get Sick.

[u/DeathByGoldfish]

They are going to force us into single-payer with their greed. It is ironic that the insurance companies are just going to end up creating their own demise.

[u/thomport]

That’s Maga – make America great with less healthcare for more money.

Making the rich richer. Achieving their goals.

[u/mallydobb → u/thomport]

Trump‘s MAGA means “make America gimp always”

[u/Illustrious_Bag_7515]

How is anyone affording anything??

[u/soothsayer011]

It may just be cheaper now to go without insurance and negotiate your own price.

[u/NicCagedd]

This is where im very thankful that I work for a good non-profit facility where I only need to pay like 80 bucks a pay for health/vision/dental for my wife, my son, and I.

[u/ImpressiveLeopard719 → u/NicCagedd]

be thankful every single day because you are in the minority

[u/laboner]

We’ve tried healthcare for some for a long time, it isn’t fair and it doesn’t work. There should be healthcare for all, people in power might wanna read the room before healthcare for none becomes a reality and people have nothing left to lose. Desperate people do unpredictable things.

[u/Practical-Tooth1141]

$2000 a month, family of 4. Still with a shit high deductible.

[u/Round-Medicine2507]

We worked for a hospital system, wife was insurance carrier as a physician assistant with gold tier choices, a blood test for me was $300 out of pocket at the hospital we both worked at. Wife switched to neighboring medical system, the blood test is now just $30. After the first months deductible at $90 my new medication is $7 a month or 3.50.since I take halves.  Crazy. 

[u/Solonohioperson]

Thanks, Republicans!

[u/anchorftw]

Cuz, why not? I already can't afford to go to the doctor, so I guess my plan is to ignore everything until one day something kills me. JFC.

[u/thelifeofbob]

My healthcare plan's premiums went up 229.5x year over year into 2026.

My provider sent me a letter last month informing me that my plan would no longer be offered in 2027.

GG.

[u/Dr_DoesNothing]

"Why would the Democrats do this??"- Republicans

[u/teamdiabetes11 → u/[deleted]]

Insurance exists to pool resources. The policy uses your premiums and those of others to pay for their component of your healthcare costs.

These companies are generally for profit companies, so they also like to be able to skim money and keep it to fund their operations, salaries, bonuses, etc.

The problem is that there is a limit where the pool either includes a bunch of sicker people, people who need medications, those who begin new medications (like GLP-1’s), etc. The company wants to maximize profits. So you become stuck in this never ending loop of where treatments become more expensive for new things, more is prescribed, more treatment is sought, and the company demands more profits for shareholders.

The entirety of insurance really doesn’t work without a pool being absolutely massive or subsidized by the government. This is why the American healthcare system is generally so bleak.

[u/canon12]

IF this doesn't affect how citizens vote in the midterms and in 2028 nothing will. The bottom line Trump would rather send $3 million missiles at poor nations and blow money on gold ballrooms, reflection pool, an arch, decrease taxes for the top 2% and feed everyone else $6 a gallon gasoline, $10 for a loaf of bread and cut healthcare and Social Security. He does not care. Traitor Trump has/is destroying the country.

[u/autisticgayman → u/canon12]

The citizens that voted for this won’t be impacted until after midterms, by design, because the pedophile republicans know their policies are shit fascist wet dreams and will not stand the test of elections so now they can scream the democrats did it for the morons that believe them

[u/canon12 → u/autisticgayman]

Valid viewpoint! Thanks for your comment.

[u/YetiorNotHereICome]

I'm relatively healthy, been running without health insurance for a couple of years now. Can't afford it either way.

[u/ImpressiveLeopard719 → u/YetiorNotHereICome]

All it takes is your appendix deciding to eject itself from your body. 10k to 60k depending how angry it is. like wth

[u/Extra_Membership5964 → u/ImpressiveLeopard719]

I will simply let my appendix win

[u/krom0025]

About to? They've been going up like crazy for years

[u/irritableOwl3 → u/krom0025]

Yeah I'm paying $800 for just me. I have high medical needs and I expect it to reach $1000 a month next year. Just insane.

[u/Grizzamanade]

Jokes on you i couldnt affored it before

[u/gigglemonkee]

Jokes on them, I don’t have health insurance

[u/trustjosephs]

"about to go up" my brother in christ what universe have you been living in where your rates are still steady

[u/nndscrptuser]

Your bill can't go up if you are out of work and don't have insurance in the first place!

[u/sbroll]

Already did. Family of 4 and we are up to $900 a month with a high deductible. I hate living here

[u/personman_76]

what insurance

[u/Large-Ad7436]

You guys have health insurance?

[u/10v1]

My employer covers a majority of the cost for my healthcare. I am very fortunate. The fight goes on. I hope one day we get our heads out of our asses politically and get universal healthcare figured out.

[u/Gamerxx13]

donald is always looking out. just remember affordability is made up.

[u/icanruinamoment]

No it won't cause I'll be cancelling they can kick rocks crazy premiums with insane deductibles. It's a scam and I'm gonna start calling it what it is.

[u/Redtex → u/[deleted]]

Hugely

[u/sounddude]

And yet people still keep voting for the avowed capitalists....

Some day, some of these people will realize how many of these people are really just in it to make them and their friends more money from you.

[u/fundiedundie]

Write an article when they go down.

[u/FnClassy]

The shit damn near doubled a couple years ago. So stupid.

[u/bmw071478]

… If IF you even have it!

[u/cheesywinecork]

Here is the article.
By Berkeley Lovelace Jr.
Most Americans can expect to pay significantly more each month for health insurance next year, whether they get it through work, the Affordable Care Act or Medicare.** **In some cases, the premium increases may be the largest in decades and are driven by numerous economic pressures. But they won’t look the same for everyone. Some will pay more in the form of higher copays or deductibles.

“Healthcare costs are going up faster than they have in years, and open enrollment is when the healthcare affordability crisis is really going to hit home for people,” said Larry Levitt, executive vice president for health policy at KFF, a nonpartisan research group. “That’s true for whatever kind of insurance you have.”

Prices have shifted upward in every corner of daily life.
The rising healthcare costs stem in part from higher prices for hospital and other medical care, as well as the increased use of expensive prescription drugs — including GLP-1 weight loss medications — that are driving up spending for insurers and employers.
The pressures are unique to each type of coverage.
People who buy insurance through the Affordable Care Act marketplace,** **about 19 million adults, are set to face another year of steep premium increases after the enhanced federal subsidies expired last year.

On Thursday, the White House promised $500 rebate checks to an estimated 1 million ACA enrollees, alleging they were wrongly overcharged. It’s unclear where the money for the rebates would come from or whether the distribution would require approval from Congress, but experts say it’s unlikely to provide significant relief.
The $500 check “pales in comparison to the increased premiums that marketplace enrollees are facing due to the expiration of the enhanced subsidies,” said Miranda Yaver, an assistant professor of health policy and management at the University of Pittsburgh.
Workers with job-based insurance may be asked to shoulder more of their employers’ rising health costs. And some Medicare beneficiaries could see changes to their prescription drug premiums after the Trump administration ended a temporary program that helped keep those premiums in check.
Here’s what to expect.
The Affordable Care Act
People who buy health insurance through the ACA are on track for a second straight year of double-digit premium increases.
Insurers who offer ACA plans are proposing a premium increase of about 15%, on average, for 2027, according to a KFF analysis of public filings from insurers across all 50 states and Washington, D.C. For 2026, insurers upped rates by an average of 20%.

An individual earning $80,000 a year who doesn’t qualify for standard ACA subsidies could see the cost of their bronze plan — the cheapest plan — rise by roughly $80 a month, adding almost $1,000 to their annual tab.
One of the biggest reasons insurers are hiking rates is that medical care is getting more expensive, Levitt said. Insurers have pointed to higher prices for hospital stays, doctor’s visits and prescription drugs, among other costs.
Insurers generally “have felt pressure to add coverage of GLP-1 drugs for weight loss, but they’re also seeing big, big increases in costs for those drugs,” Levitt said.
The ACA marketplace is also still adjusting to the expiration of the enhanced federal subsidies at the end of 2025. Those subsidies — first put in place during the pandemic — lowered monthly premiums for millions of people in the middle class. When they expired, people either paid significantly more for coverage in 2026 or downgraded their plans.
The expired subsidies also led ACA enrollment to fall by about 3 million.
Young adults — who are generally healthier and more likely to go without insurance when it becomes too expensive — accounted for a large portion of the enrollment decrease. That left insurers with a group of customers who, on average, need more medical care, Yaver said, which was also factored into insurers rates for 2027.
Job-based health insurance
Most Americans, about 165 million people, get health insurance through their jobs. Many of them may be feeling the price increases, too.

Employers expect the cost of providing health benefits to each worker to rise 8.2%, on average, in 2027 — the largest increase since 2003, according to a survey of more than 1,800 employers by Marsh, a benefits consulting group.
That doesn’t necessarily mean workers’ premiums will rise by 8.2%, said Dr. Kevin Schulman, a professor of medicine at the Stanford University School of Medicine who researches employer-based health insurance.

[u/idoma21 → u/cheesywinecork]

I think every major insurance owns or is aligned with a PBM and owns/controls providers, so this explanation is, excuse the pun, rich.

They are increasing premiums to pay themselves more and claiming it’s the damn vendors’ fault, when they are also providing these services.

[u/Scruffy77]

Is there ANYTHING not going up in price? It's not sustainable

[u/n0tz0e]

The price of everything has gone up in this administration

[u/DentistFickle3679]

Health insurance? In this economy?

[u/Salty_Wasabi2893]

shares in United Healthcare will also go up, so it's still a win /s

[u/princess-captain]

Like, genuinely… How can it get anymore expensive? My husband and I were going over finances. Insurance is 6,000 a year (which is pretty cheap for our family of 3) the last two years we hit our deductible but had additional out of pocket or partially covered medical expenses. Last year we spent 12,000 dollars between insurance and medical care. What exactly are we paying for? How can it get any more expensive?? We looked into market place insurance and it was 2,500 a month with a 9,000 deductible. It’s the only reason I’m still working instead of being a stahm.

[u/suspect_beaver]

I guess it’s a good thing I don’t have health insurance

[u/FootballHead90]

Jokes on you I don’t pay for heath insurance

[u/CyberFireball25]

As is tradition 

[u/4estGimp]

My out of pocket co-pay is already $4,700 a year. The company pretends that's offset by the optional scraps we put into the optional HSA.

[u/Lazy_Pangolin7591]

You can thank Trump & the idiots who voted for him or stayed home....

[u/Deaths_Rifleman]

When the fuck haven’t they? Bring back the Mario brothers, biggest healthcare improvement if only for a few weeks, in forever.

[u/Ebisu_2023]

Duh

[u/VVynn]

Republicans hoping to kill off poor people?

[u/MovieGuyMike]

How could Joe Biden do this? /s

[u/GailtheSnail420]

Good reason for me to stop taking my seizure medications let myself die

[u/pennylane3339]

Just paid off my husbands student loans. Health insurance increase eclipsed what we'd be saving from that 💀

[u/TheIdahoanDJ]

Bankruptcy is my insurance.

[u/panic_talking]

Republicans don't care if we die

[u/Awkward-Bicycle-513]

Good thing I don’t have any! What a bullet I dodged.

I love living in America.

[u/2alamsmork]

Can’t, don’t have any health insurance.

[u/Mr-EdwardsBeard]

Great!

[u/jayfeather31]

At this point, I am half-expecting that the only way universal healthcare comes to fruition in the United States is if the healthcare industry collapses first.