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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: 0.66s | source
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whycome ◴[18 Jul 25 14:02 UTC] No.44604741[source]▶
Yeah but if NPR is defunded then this isn’t a story. /s

The article sometimes throws in the term Obamacare — is it still popularly called that? And do most Americans know it’s the same thing?

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billy99k[dead post] ◴[18 Jul 25 14:04 UTC] No.44604769[source]▶
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ceejayoz ◴[18 Jul 25 14:11 UTC] No.44604846[source]▶
This is, quite simply, a lie.

https://www.kff.org/report-section/ehbs-2023-section-1-cost-...

Figure 1.12 shows average annual premiums from 1999 to 2023. The ACA was passed in the middle of that range. It's a sustained upwards march, before and after its passage.

For all that cost - 2-3x as much as the other OECD nations spend, inclusive of taxes - we get shitty outcomes.

https://assets.ourworldindata.org/uploads/2016/04/ftotHealth...

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Covzire ◴[18 Jul 25 14:20 UTC] No.44604919[source]▶
Prior to ACA all my colleagues in my peer group had employer provided health insurance that cost us very little, and it paid for virtually all medical bills except prescriptions. A HDHP was an option, but it only saved maybe a hundred or two a month, if that.

Today for most employees a HDHP is the ONLY option, and the cost is much higher than the old standard health plans were.

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1. ceejayoz ◴[18 Jul 25 14:22 UTC] No.44604937[source]▶
Your company is passing the ever-increasing costs (which, again, have been on a steady sloped increase both before and after the ACA, since the 1970s; https://ourworldindata.org/grapher/health-expenditure-and-fi...) along to you, yes. This is a significant problem with our system; people think they get healthcare for $50/month, but it's really coming out of a reduced salary.

You're getting fucked (as am I!), but the ACA isn't what's doing it.

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2. Grollicus ◴[18 Jul 25 14:33 UTC] No.44605066[source]▶
Shouldn't that be obvious on the payslip?
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3. ceejayoz ◴[18 Jul 25 14:42 UTC] No.44605190[source]▶
That's part of the problem; it's only legally required to be shown post-ACA.

https://www.irs.gov/affordable-care-act/form-w-2-reporting-o...

> The Affordable Care Act requires employers to report the cost of coverage under an employer-sponsored group health plan. Reporting the cost of health care coverage on the Form W-2 does not mean that the coverage is taxable. The value of the employer’s excludable contribution to health coverage continues to be excludable from an employee's income, and it is not taxable. This reporting is for informational purposes only and will provide employees useful and comparable consumer information on the cost of their health care coverage.

So, it went from "I pay $50/month for healthcare" to "my paycheck says they're taking $2k/month! what the fuck?!" in folks' minds.