Insurance costs?
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Yes, my husband's work covers myself and my husband. The total premium now for the two of us is over $2,400/month. We will now be paying about $620/month of that premium. $2,400/month for two healthy people is insane. A person I work in the same building with is at $1,000/month now, which she straight up can't afford so she's going to let her health insurance go.
I'm thinking that we maybe should talk to my husband's employer about dropping me off the insurance and we'll put aside the money we would save from dropping me off into a savings for if we had need of it. We have only ever had one claim on the insurance in 13 years when I broke my wrist in a fall 6 years ago. Once upon a time, I was six years without insurance but had money set aside in a health savings account. When I did the numbers, that ended up being way cheaper. However, you need to make sure you have your home or other important assets in a trust if you're going to take a risk like that.
Add to that that if I were diagnosed with some serious illness, likely 99% of the time I would not do what the doctors suggested--I would opt for alternative therapies, which the insurance won't cover anyway. So how useful is the insurance if what I would do they won't pay for and what they would pay for I won't do?
It's a freaking racket.
Stay safe and healthy. This Managed Decline of the Nation is a scary movie..
SBL is right. This is a feature, not a bug.
More features on the way.
The more features are here today, the GOP let the ACA protections lapse and now insurance companies can charge whateer they want. The demonrats at least wanted to keep those protections in place.
Per Democrat Fetterman…..the democrats created the ACA to EXPIRE exactly when it did so they could use that to win midterms by blaming it on Republicans. The democrats were responsible for the KKK, Jim Crow and a multitude of sins against the American people! This government shutdown is just another piece of their evil playbook they’re trying to blame President Trump and his administration for. Those who research….know. Those who don’t…..don’t.
The previews are almost over. Bessant wants trump to have emergency economic powers.
He also wants private money helping to bail out Argentina. Let's assume these are good people helping bridge the financing of the new global financial system. In return, they get a City named after them and all their money paid back with a large bonus that says a big thank you from Humanity..
Don't talk to me about Argentina. Trump sent them a trillion bucks, and then let China buy all of their soybeans instead of ours. That cost me a years pay.
I'm sorry to hear you're going through a rough time. We are all experiencing a Globalist Managed Decline of our Nations. The Reality is striking us all hard in financial, cultural and spiritual decline. Praying this is what Wakes up Humanity and we organize to win back our Sovereign Nations.
My son recently underwent a surgery for essentially what was a big pimple on his neck and he had to be put under. It was outpatient and he was home 5 hours later. The bill: $55,000 and he only had to pay $400, thank God.
Going without some type of health insurance is playing financial roulette. I wish you the best and sincere good luck!
Wait until one lands in the hospital due to military service and the bill is $93,000.00 for nothing than monitoring BUT BECAUSE IT WAS HEART ISSUE THE BILL WAS HIGHER!!!!
Our Medical system is a racket and that is all there is too it!!!!!!
I'm not defending the democrats, but they put in their health insurance bill that they would cap those costs. The GOP are in bed with insurance companies, so they're more than happy to let them fuck us over and over.
I broke my hand and it was $12000 to cast it ... no way in hell it costs that much. In every other country in the world they cap ER visits at $500.
Then move!
Only if it was good advice like mine is....
You HAVE to have health insurance even if you don’t use it. Your employer sends out a 1095-C report to you like a w-2 that you HAVE to attach to your taxes. You get $ penalized if you are not covered. My tax guy says that is 1 of the major things IRS looks for. He said he tells people that want to cancel their employer healthcare to get the cheapest Obummercare policy and don’t use it. Just start saving up what you would have paid for employer’s healthcare plan.
This is incorrect and you need a new tax guy. 30+ year tax accountant here. That was the original rule for the ACA. The 2018 tax law did away with the “have to have insurance” provision. That was set to expire this year. The new 2025 BBB codified the prior 2018 changes and made them permanent.
Marketplace premiums are going up because the temporary CV subsidies are expiring. As well, healthy people are not being forced to buy health insurance, so there is no offset to lower the costs.
It’s all a racket .. and time for the government intrusion into health care to implode.
Correct, unfortunately the 2018 law also let insurance companies charge whatever the hell they want. It removes all guidelines for what should be charged or denied. That's why my bill went up more than 60% and on Jan 1, no matter who you get your insurance from your bill will go up about the same.
Do you think your work is suddenly going to eat a 60% boost for your insurance?
That is why Marjorie Taylor Greene is so pissed about this. Her district has the highest amount of employed white people using the ACA on the east coast. She shared that in just her district, the voters will be paying an additional $40 million dollars for WORSE coverage.
Welp, I work for myself. I completely understand where you are coming from. Before 2010, we paid roughly $500 a month for a family of 4, with the high deductible plan … deductible was $6,000 a year. This is small business insurance, since both of us worked for ourselves. So, roughly $12,000 a year, if we needed to use it.
Starting 2010, because of Odumbo and Nasty Nan, less coverage, but premiums jumped to $1,400 a month, with deductible at $16,000 a year. Which amounts to $32,800 out of pocket, should we need medical care.
And, fun fact, I needed a hospital that year and our only “covered” hospital was the indigent one … where those people get seen for free. We got a different, more expensive plan the next year.
I personally think it all sux and that the government and the middle man need to get out of the way.
If you have a small business, there are companies who price out insurance rates … for no charge to you. Might be worth a look. You can get small business insurance as a husband and wife. It only requires 2 people.
That's weird, in 2010 my plan went from 1200 a month to 400 and it stayed very low until yesterday - also everyone else I know has the same issue.
Starting yesterday you can no longer get small business insurance for just a husband and wife, you need at least 3 employees. If you don't have 3 employees they are going to raise your rates 75% until July 1, then drop you.
Am I the only one who reads these things?
Real question, if you got in a car accident and needed serious surgery and bones set, would you use alternative therapies at the ER?
My cousin dropped his insurance and a month later he was in a car accident and shattered both collar bones and punctured a lung, as well as needed a bunch of stitches and dislocated a shoulder.
Without insurance his bill was $65,000.
You can thank THIS asshole right here
👇👇👇👇
u/#arrest
Why? It was the 2018 GOP that ended the restrictions on health insurance companies that let them instantly raise rates the day they were allowed to.
How do you blame a jackass who left office a decade ago for something happening today that was setup by a congress 8 years ago?
The gop wants you to blame Obummer because it's an easy out and gets you mad, the reality is that the GOP gets MASSIVE donations from the health insurance companies. ALL OF THIS is public information, go look it up.
It depends how far you really wanna take it fren ...
You could feasibly have the phoenecians in your sights... their lot made up the whole insurance thing to begin with.
I'd like to take it to the people who can make a difference today, not turn this into a existential dilemma.
This is a problem with our side, we always try to make it a bigger issue that isn't relevant in any way.
Oh illegals are an issue? We better blame the Chinese for inventing shoes so they could walk from Venezuela to the US border ...
Don’t even mention this evil crook, when you can’t despise a person more.,
It’s the insurance company using a convenient ‘reason’ to rob you.
Correct, the ACA limited how much they could rob me, the GOP removed those restrictions, so now they can rob me.
What part aren't you getting?
That's not really how it is. Obamacare subsidizes premiums with our tax dollars and makes insurance cover lots of unneccesary shit. Everything now cost 3X as much. The subsidy being paid is part of why our taxes are so high. Non workers get 100% subsidy. It will only get worse. Time to let it fail, then go back to how insurance used to work. Mine is going up$600/month too. Those getting the most subsidy gets hit hardest. They will scream and cry about it. Obamacare should be eliminated. What part aren't you getting?
This is incorrect.
The ACA doesn't cover or have anything to do with medicare or welfare or illegals.
You are burping up BS talking points issued by health insurance companies that shove fistfulls of dollars into Mike Johnsons pockets.
The restrictions give guidelines for how much health insurance can cost and how much health insurance companies can charge for things. With the ACA subsidies and the rules around them gone, the health insurance company can charge you whatever they want whenever they want.
It's going up $600 today, but tomorrow it will be $1000. Then more and more. They are wringing us dry and paying the GOP to let them do it.
All of this is public, go look it up.
You're mad at the GOP over Obamacare?
strong everything
The ACA was launched by Obama, but the GOP spent 2018 reworking it and now it expires and the premiums are skyrocketing.
Blaming Obama for it still is an idiot's game and shows your intelligence and ability to read bills.
so you want the GOP to fund sex changes in other countries as well as illegal immigrants here as well as give billions in black money to the swamp?
as your alternative? or what exactly are you proposing?
WTF are you even retarding about?
The choices aren't pay more OR we fund sex changes in Guatamala.
The bill the idiot democrats pushed was actually decent. On page THREE it said all non-US citizens were banned from participating in the system. Go read the damn thing yourself.
it also capped what insurance companies can charge for care. But, the BBB kills that part, so Health Insurance companies can charge whatever the hell they want, whenever they want. So today, they jack up the ACA. Tomorrow it is all insurance because they can. That $200 aspirin is going to be $500 on Jan 1 for everyone because UnitedHealthCare shoves money into Mike Johnsons pocket and he smiles and tells people like you that illegals will get health care so YOU have to pay double, smile, and eat your shit sandwich.
So, you go feel free to pay out the ass, I'm going to stay here and be mad about it because I actually read the bills and you are being lied to.
you think aspirin costs $200?
do you even live in America?
https://a.co/d/jhcUREB
you're the one who pays $200 for aspirin
Most of the Anons here can read legislation Anon. Let’s stop getting hostile with them, and direct that at your Rep, Senator, or even write Trump. Before you rant and Doom upon the Anons further, constructively write whom can directly influence the laws. Until you do that yourself, you’re just blowing hot Doom steam, that gets us Mods a checking.
“The Pen Is Mightier Than The Sword”
Brent75
I have been writing them for months, and surprisingly got zero response. So, I did the next best thing, I read the bills and then looked up who gives Senators and House reps money and shockingly Health insurance companies have been shoving money at the GOP nonstop since 2018 and they haven't been sending money to dems ... I wonder why?
Stop crying. Freedom isn't free. Be glad your cost is only money and not your life or the lives of your loved ones. Those that came before us gave much, much more so that we can sit on the computer and cry about insurance costs.
You know you can do two things at once?
"Suffer in silence, embrace the suck."
Semper Fi.
lol, ok buddy.
What would've happened if the founding fathers suffered in silence?
Try harder elsewhere. Won't work on me o7
Pretty much insurance rates across many sectors has risen - auto, health, home, etc. It has all gone up. All of my insurances have gone up this year so it is not just medical.
Oh ok, then nevermind, I won't be upset about Congress causing people to pay way more.
You misunderstand. We are getting ripped off by all of them at the same time - a bunch of criminals and vultures.
Yes, but right now the evil ones are actually doing something decent.
Bruce Willis, throws dead body off a building. " WELCOME TO THE PARTY PAL". It now costs me 6,000.00 dollars per family member before health insurance kicks in. THATS PER FAMILY MEMBER. FFS!!!! This is not healthcare. This is fucking stealing. Meanwhile, every swing dick from across the boarders just fucking gets free everything. Fuck off!!!!
You do know that illegals are banned from participating in public health insurance and you have to be a US Citizen to purchase a plan.
You know that right? You're not just repeating talking points you hear online burped out by people who want to make you mad?
Co worker is getting state Healthcare and not having to pay for it. ??? I don't know how they are getting away with it.
They aren't. They're lying to you.
You're kidding, right? Lol. Guess you missed the memo about all the illegals who have been taken off of medicaid.
I am guessing, but I think that the dramatic increase in premiums is a democrat scam to pay for the illegals using a different path. The other half of the equation is the risk pool. Heart and cancer problems are on the rise because of the jab. There are a lot more chronic illnesses in children because of all the vaccines they give them and the food additives.
You guessed wrong.
Not a possibility, I have two kids on my insurance who have prescription meds that would cost around $400 a month without any insurance.
Also, they don't do that here.
Here's the current map for Direct Primary Care.
I was stunned to find one just a few miles from me.
https://mapper.dpcfrontier.com/
Great link - ty for sharing!
This is great when you get the sniffles, but get in a car accident and you'll have $150k in debt instantly.
Put your trust in God. I should be dead several times over. For some reason he is keeping me around.
Maybe it's because you put all of your energy into cosplaying a TV show character on message boards?
But also, no. I'm not going to leave it to god to decide if I go bankrupt because my insurance lapsed.
I don't think it has anything with me having an electric personality (as Uncle Fester does). Machines act strangely around me. People joke it's "my aura".
Thank you for this information, I have discovered we have a clinic that has been open for 5 years just 5 miles from our home.
I say this knowing full well it's going to piss people off, but it's the truth;
Your premium jumped because the enhanced ACA subsidies that lowered Marketplace prices are expiring. They were created under the American Rescue Act during Covid and have consistently been renewed each year by Congress. And this year when they had to be renewed again, that renewal got tangled up in the budget fight that triggered the shutdown.
Democrats have been pushing bills like H.R. 247 – Health Care Affordability Act of 2025 to make those credits permanent, while GOP negotiators left them out of their funding proposals. Because insurers must set rates months ahead, they priced plans assuming those credits might lapse, so that’s why you’re suddenly paying more.
So your cost spike is directly tied to the same standoff that shut the government down. If Congress passes a funding bill with the subsidy extension, premiums will fall back toward 2024 levels.
I'm in the same boat. I run my own business and get my insurance through the exchange as well. So when I saw mine skyrocketed, I went to do some research on why and this is what I learned. 🤷♀️ It sucks.
What Bakas said.
Yup.
Also, go look up who Health Insurance companies have been very heavily donating to for the last decade. It's not democrats.
Also, it wasn't the ARA, it was the 2018 budget that set the subsidies to expire yesterday, the ARA was ended by Biden years ago.
As ridiculously high as that is, it's still a lot lower than my grandparents were having to pay just a few years into the induction of the ACA. And that was for just the two of them. If you have your whole family on that, it's a "bargain." /s I'm sorry that I don't know anything about what the GOP did, so can't speak to that, but maybe it's a ploy (a stinking expensive one) for them to make obamacare look even worse and to initiate change. In the meantime, it hurts, I know. Sorry.
You are the first person in this thread that is sort of correct.
The GOP are screwing over everyone who has health insurance to make the ACA unattractive to everyone in the hopes that people will say Hell No and push congress to change things.
Except look at the rhetoric around this, every GOP member is out there lying through their teeth and saying our choices are either we have to pay a lot more or some illegals get health insurance. Go read the democrat bill, it specifically bans all non US citizens from getting coverage. It's literally on Page 3.
Have you read it? Has anyone on this board? Or are they just listening to talking points that are designed to piss you off?
The uniparty has always been willing to hurt The People in order to get their way. But as is always the case, the democrats will create as much destruction as possible, as they themselves go down.
The republicans can't and shouldn't cave based on one issue. It's important The People know who has put them in that situation. I don't blame the repubs.
https://greatawakening.win/p/1ARJd2AeDw/house-speaker-mike-johnson-lists/c/
It is absolutely the republicans fault on this one. Put the blame where it belongs.
I don't believe it is.
Somewhat relevant, I haven't been sick since college... now on medicare. I was scheduling my first surgery ever... cataracts. I have a supplement policy also. Never used any insurance except annual checkups. Been organic for 40 years. Anyway...
The cost of surgery was $7000. Insurance company would not cover it and called it cosmetic. They only covered the basic surgery which doesn't correct the near or far sight problems. I pointed out that being able to see to drive is not cosmetic. I spent 2 days and 9 hours with the insurance company. FInally found a common sense human being and we cut a deal. Now the surgery will only cost me $320.
My reason for this story is that I am sure most people would never try to negotiate with insurance companies regarding their lack of coverage. I recommend it. At least this time, my first time... they gave in and covered it.
Remember, the only way insurance companies make money is by NOT paying.
One win! Applause please!
You should see Thing slapping the table! He's happy for your success.
So am I.
Everything is negotiable.
Good job! Yes, we need to become true consumers and not just victims...
I’m currently shopping for a Medicare supplement and I’m surprised that none of the coverages are carrying Silver Sneakers anymore. This allows retired seniors to work out at any of thousands of participating facilities around the country.
All of those things are gone.
The health insurance market has been federally subsidized for years. Unfortunately for you, this is the outcome.
I had a party 40 years ago after I went on Medicare. I went from $1,000 monthly with a $4,000 deductible to about $400 total outlay a month. I know your pain.
Did you read the democrat bill? They want to put caps in place on what Health insurance companies can charge, like all other countries have. It wouldn't be a subsidy.
United Healthcare only spent 11% of their revenue last year on paying for medical care. The other 89% went to employee pay and office buildings and the $35 million dollar bonus for the guy who took over from the guy who got shot. Maybe it was hazard pay?
My wife and I had Obomber care for 3 years. I never used it, but my wife's knee went out one year. We ended up paying almost $12,000 out of pocket that year. Had to make payments to the hospital. Made payment to the hospital for months. Absolutely the worst insurance ever.
Yep, it got gutted in 2018 by the GOP. If it stayed how it was in 2016, that would have been limited to a $1500 payment. Go read the bill.
Just saying check out Samaritan Ministries super good and affordable.
I called them, they are also raising their rates dramatically for all customers come January 1. It would cost me more.
Pay about 12k annually, 60/40 split. Employee pays the lower amount. Not many could pay it all on their own.
Cancel that bs. Join a medishare and pay cash. It’s usually cheaper than the copay.
Yeah, you get in a car wreck and see what that cost is.
Medishare is for the sniffles.
Insurance is a racket.
Pay for something you can't use because of a high deductible.
Then get denied after you reach the deductible.
I don't know what the answer is but the system is designed to do what it is doing.
Endeavor to persevere fren.
I agree, did you read the democrat bill, it's the first thing I ever agreed with them about. They are capping what the companies can charge and limiting denials.
Go look up who health insurance companies donate all their money to in Congress, I'll give you a hint, they're currently in power.
I did not read the bill, not because I am not interested, but because I have limited time.
I need support staff to keep up with this time line.
So throw it in ChatGPT and ask for a summary.
https://www.breitbart.com/clips/2025/10/21/cnns-tapper-dems-created-expiration-date-for-obamacare-subsidies-not-gop/
https://www.medishare.com/
I haven’t been in a doctor for at least three or more months and I am planning to keep it that way. No more doctors.
Yeah? What happens if you break your arm? Break your leg? Get in a car accident? Have a heart attack? Get attacked by a dog?
You gonna rub some lotion on it and pop on a bandaid?
Do you know how to do stitches? Set a bone? Repair soft tissue damage below the skin?
Do you know how to do all of that well enough to do it for your kids? Your wife?
Or, are you just saying something that feels good in the moment and it's bs?
I have insurance but I do not plan to use it.,
My 2cents worth: Think about it and follow the money. My sister was charged 39,000 for a broken arm, 1 x-ray, 2 nurses (that she saw), 1 doctor (for ten minutes), 1 office, the casting materials, and all the support staff. She was in the E.R. for about 3 hrs. Now way in hell that it cost the hospital that much. But the hospital and big pharma has spent millions lobbying congress and HHS to let them charge 10 dollars for an aspirin. It should tell people something that in some private hospitals in other countries will charge 1 or 2 percent of that bill. Those countries allow private hospitals. In this country, they are not plentiful due to all the regulations (which are also lobbied for).
The biggest thing that gets me thinking, is all the church leaders (which the lobby also pays) say they believe in Jesus Crist, but urge all their congregation's to participate in and use Pharmakia. They know that the good book is against it, but their bosses get paid to push things like the clot-shot. That's another reason i will never go to church in a building, Faith is better near a stream, or a mountainside, or a field anyway!
Try looking at the Medicare tax scam and you might feel lucky to get any TAXPAYER-FUNDED subsidies for Obamacare (think Socialism where someone else’s taxes pay for your healthcare subsidies) .
You and your employer pay Medical Taxes for 50 years and, then, when the government forces you on Medicare, they still charge you a premium for both Part B and Part D-drugs. And the coverage is sooooo bad, you have to buy another insurance called supplemental. It costs my parents over $200 MORE a month than their employer sponsored coverage AFTER PAYING TAXES FOR 50 YEARS! And, if you did what you were supposed to do and saved into your 401k to have a decent retirement,the government FORCES you to take out a certain percentage at 73 which not only pushes you into a higher tax bracket which can trigger an IRMAA penalty! So you can pay for Medicare 4 or more times!
My parents PAID Medicare taxes for 50 years and now, it’s like those taxes completely disappeared and they are having to pay from scratch all over again.
MEDICARE TAXES ARE A SCAM!
My wife now has to buy her own health insurance starting Dec1st. She goes in once a year for a check up, not on pills. Medical ,dental, vision, 1450 per month with a 7k out of pocket. This will hurt us badly, I am retired with 2100 s.s. and a small pension. We are the lucky ones ,because we have enough money saved up to pay for it till she gets on Medicare. We just won't be able to do much of anything, for a long while.
Medicare is going up about 50% on January 1, so buckle up fella.
The democrats are suing President Trump for figuring out a legal way to KEEP OUR MILITARY PAID! Let that sink in! Know your enemies or they will consume you.
I already received letters that my Medicare Part B was going UP January 1, 2026 as well as my Part D prescription insurance AND my Blue Cross supplement insurance!! We don’t even know yet what the SS COLA is!! Also, the coverage deductibles went sky high! There is no recourse once you reach Medicare age….you just pay pay pay!!
It's going up about 50% and deductibles will go up closer to 100%.
Also, the GOP is going to be pushing people off medicare over to the ACA, after they've rigged it to be too expensive.
When I figured all this out, I thought my MAGA friends would be mad as well, but everyone of them thinks they have to pay big bucks to make sure that illegals don't get free health care ... how does that even make sense? All the bills state right up front you have to be a citizen to participate. Go read it! Or call the company and ask.
This whole thing is insane.
https://x.com/WallStreetApes/status/1979976645026177347