ACA health insurance will cost the average person 75% more next year

> Now that those subsidies are going away for next year, premiums are going to spike. For example, if someone paid $60 a month for their health insurance this year, they might be looking at $105 a month next year.

I was on the exchanges, unsubsidized, until this year. Last year's premium went from $3,000/month to $3,600/month. I had to buckle and get on a company plan with less coverage this year.

Meanwhile, every other piece of spare real estate in town is a new medical facility. Urgent cares, palatial orthopedic facilities… There's a crash coming.

> Meanwhile, every other piece of spare real estate in town is a new medical facility. Urgent cares, palatial orthopedic facilities… There's a crash coming.

Consolidation of hospitals/medical facilities/practices and the rapid spread of PE firms is absolutely destroying our already cracking healthcare industry. A crash is definitely coming. And just like with the financial crisis, we’re going to be the ones footing the bill and/or just dying on hospital steps.

Combined with so many doctors fleeing states with strict abortion/anti-LGBT laws, as well as the dismantling of programs encouraging doctors to work in under-served (often rural/low income/isolated) areas, it doesn’t take a genius to figure out who’s going to be hit the hardest.

We're likely to lose a lot of rural hospitals due to Medicaid cuts. We might need those new urban facilities, as those patients who do have insurance travel to the places still open.

> I was on the exchanges, unsubsidized, until this year. Last year's premium went from $3,000/month to $3,600/month.

I want to know details of your situation, because my exchange premiums are like $300/month.

What I read is that the big beautiful bill includes subsidies to keep those hospitals open, just not for them to treat patients.

Platinum plan (which winds up most fiscally responsible for us - we max out the low out-of-pocket-max reliably), four people. Something like a bronze plan wouldn't save us any money; lower premiums trade for high deductibles and copays. Good if you're healthy.

https://imgur.com/a/SC3DNTf

Curious what the details of your situation are and how often you use healthcare?

Either you have a high deductible, or you're just being subsidized by everyone else.

The unsubsidized cost of a standard PPO plan for a family can easily reach $3000 a month. This is situation normal, people just don't see it because their employer is responsible for the cost.

>palatial orthopedic facilities

I'll see your anecdote with another anecdote. Around where I live, for the past few years there was a sudden massive ad campaign for a new orthopedist complete with billboards featuring the presumably founding doctor's smiling face, and various other print and sponsored ads. Their main building is a giant gaudy marble, glass and brass clad building, but there are others that have taken up more mundane buildings. I don't know how such a business launches so quickly with so much $$, but it must be PE. They've certainly got a lot of debts to pay off now, and I can imagine the assembly-line level of care with more focus on low-margin patient satisfaction, encouraging reviews about how nice and friendly everyone was, rather than actual effective care. This is of course my cynical uninformed take after seeing mucho $$ spent on advertising. Maybe they are actually great and effective doctors, for all I know.

It's pretty sickening, to be honest.

For sobering data, check out the link below and look what happened in just 20 years. Unfortunately it stops at 2013, it's probably a solid orange blob today...

https://www.bls.gov/opub/ted/2014/ted_20140728.htm

The medicaid reimbursement rates are so low that hospitals have been closing anyways. This might speed it up, but the outcome was already in motion.

In 2024 the average employer family plan cost $25,572. https://www.kff.org/report-section/ehbs-2024-section-1-cost-...

> “For example, if someone paid $60 a month for their health insurance this year, they might be looking at $105 a month next year.”

This example is meaningless, except to explain how math works.

I have NYS Marketplace Bronze (insipid terminology) plan. I’m 55 and in good health (knock). These are no other people on my plan. My plan cost is $600/mo. I pay $300 and get a tax credit for $300 (which I can claim monthly, but which is reconciled on my tax return). This is the only way to discuss the cost.

So what is the change? Is the cost going up? Every indication is yes. Is the tax benefit going down? Not clear.