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

(www.npr.org)
129 points geox | 3 comments | 18 Jul 25 13:21 UTC | HN request time: 0.442s | source
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jasonthorsness ◴[18 Jul 25 13:54 UTC] No.44604677[source]▶
Does “ACA health insurance” classification used here include everyone who buys insurance on their own who are not employed by a large-enough company or on Medicare/medicaid?

The job-based insurance system in USA is so bogus.

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1. crowbahr ◴[18 Jul 25 14:02 UTC] No.44604745[source]▶
It's kinda hard to tell in the article but it seems specifically to apply to subsidized ACA purchases. There are market rate purchases on the ACA site too - I don't expect those will go up. They're already ruinously expensive.
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2. lapcat ◴[18 Jul 25 14:19 UTC] No.44604914[source]▶
Every plan is market rate. There is no distinction between subsidized plans and market rate plans. The individual subsidies simply reduce the cost of the marketplace plan for those who financially qualify for subsidies.

Premiums for all plans have been going up basically every year, even for those who don't qualify for any subsidies.

3. DennisP ◴[18 Jul 25 14:30 UTC] No.44605030[source]▶
Subsidies are going away but they're raising the unsubsidized rates because of that. This is the key paragraph:

> If healthy people opt out, the insurance pool is left with those who cost insurance companies more — people who can't go without health insurance because of chronic conditions or expensive medications. "That's why insurance companies are going ahead and charging a higher premium, with the expectation that the market is going to get sicker next year