...not so much. That's not a typo: A 64-yr old couple earning $110,000/year would likely see their net premiums for the benchmark Silver plan skyrocket from $828/month to $4,900/month.
Replies
only leaving about $2000/month for.... everything else❗
aug 28, 2025, 1:29 am • 1 0 • view
🚨🚨🚨 AND FINALLY, WE COME TO WEST VIRGINIA. WV has arond 67,000 #ACA individual market enrollees. Perhaps 2,000 are unsubsidized. acasignups.net/ira-subsidy-...
aug 28, 2025, 1:28 am • 18 5 • view
WV's 3 carriers are seeking avg. rate hikes of around 11.5%, which, again, would be considered high any other year but are at the low end of the spectrum this year. So...not great but not terrible, right?
aug 28, 2025, 1:29 am • 15 2 • view
Prediction: Trump bankrupts all insurance companies because no one can pay these premiums, and then Dems win the mid-terms and swoop in with universal health care. Everyone wins! (This is based solely on me wanting this scenario to happen.)
aug 28, 2025, 1:39 am • 2 0 • view
Technically that last example is a hair lower than the highest Alaska household, but remember, the Alaska example was based on the couple earning $110,000/yr, since AK has a higher FPL threshold. The West Virginia example is a 64-yr old couple in Charleston who earn $90,000/year.
aug 28, 2025, 1:35 am • 13 4 • view
$4,898 x 12 = $58,776/year. That would theoretically cost this couple 2/3 of their ENTIRE GROSS INCOME just in premiums alone. Needless to say, NO ONE is going to actually do this unless they're TRULY desperate...ie, they have extremely expensive medical problems and can't get coverage otherwise.
aug 28, 2025, 1:36 am • 22 6 • view
In other words, while many ACA enrollees will downgrade their plans to mitigate the premium hikes (Gold to Silver, Silver to Bronze, PPO to HMO, etc), millions more will simply be PRICED OUT OF THE MARKET and will have to drop coverage entirely. Not only does that mean they'll be uninsured...
aug 28, 2025, 1:38 am • 34 12 • view
Coupled with the disaster at the CDC and RFK Jrs crazy ideas, this is a dangerous disaster ahead. Scary...
aug 28, 2025, 1:44 am • 2 0 • view
...it also means that the *remaining* ACA market will consist of sicker/more expensive-to-treat enrollees on average...which, in turn, will cause premiums to go up further and so on. This is called the beginnings of a "Death Spiral."
aug 28, 2025, 1:40 am • 36 7 • view
Would be Solved by Medicare for All
aug 28, 2025, 2:03 am • 0 0 • view
True…except that if we had M4All at the moment, it would mean literally the ENTIRE healthcare system would be under RFK Jrs personal control instead of only half of it.
aug 28, 2025, 2:14 am • 3 0 • view
That would be scary 😨 😳
aug 28, 2025, 7:20 am • 0 0 • view
Fortunately, the *pre-IRA* subsidies should remain in place (assuming the ACA survives at all), which will prevent a full "Death Spiral" from taking place...but millions will lose coverage entirely, while millions more will be shifted to worse coverage with higher deductibles, smaller networks, etc.
aug 28, 2025, 1:41 am • 16 3 • view
WHEW! Done. Anyway, this project has taken a TON of time & effort. If yoiu find my healthcare wonkery useful & would like to support it (which would also help with my own pending premium hikes, I should note...), you can do so here, thank you! secure.actblue.com/donate/acasi...
aug 28, 2025, 1:42 am • 37 13 • view
Thank you ☺️
aug 28, 2025, 2:10 am • 3 0 • view
Thank you for all this analysis, it was very enlightening. I made a contribution of $30. I appreciate all the work that went into this endeavor.
aug 28, 2025, 7:19 am • 1 0 • view
FAFO
aug 28, 2025, 1:33 am • 0 0 • view