[Garywt]

Originally Posted by OrangeBlossomBaby

Yeah we got a kick in the teeth for this year's health insurance. Neither of us are old enough for Medicare yet, so we rely on the ACA (colloquially known as Obamacare) for subsidies. In 2020, we paid $13/month for premiums. That was great, because neither of us had Social Security yet, and hubby's pension had -just- kicked in after around 6 months of ONLY unemployment benefits. His company closed the department and put him out of work 2 years before he could get full retirement benefits (which would've included health insurance coverage).

In 2021, our premiums went up to around $80, because we were both working part time, and then his Social Security had just kicked in mid-year. So our premiums were based on only 6 months worth of SS rather than a full year's worth.

This year, our premiums are $386/month, even though I retired fully.

I imagine next year we'll be looking at around $1200/month for the two of us if we stick with the plan we have. We'll probably have to take a plan that's not as good, and not get any subsidies at all, and pay the regular price on the marketplace. It'll be around $480/month. But we can at least keep the doctors we have.

Increases like that would hurt anyone. Our insurance actually went down some because our youngest turned 26 last year and we went to a 2 person policy. My pension covers health insurance luckily. Best of luck.