[Rainger99]

Health insurance keeps going up.

ACA premiums will jump by 13 percent next year, though much of the price increase will be offset by subsidies.

Premiums for employer plans, could go up by about 10 percent in 2027.

As for Medicare, the standard Part B premium is projected to increase to $209.50/month in 2027 (up $6.60 from $202.90 in 2026) and the annual deductible is supposed to go up to $292 - a $9 increase.

In a few years I think a lot of people will be paying IRMAA.

[Normal]

Originally Posted by Rainger99

Health insurance keeps going up.

ACA premiums will jump by 13 percent next year, though much of the price increase will be offset by subsidies.

Premiums for employer plans, could go up by about 10 percent in 2027.

As for Medicare, the standard Part B premium is projected to increase to $209.50/month in 2027 (up $6.60 from $202.90 in 2026) and the annual deductible is supposed to go up to $292 - a $9 increase.

In a few years I think a lot of people will be paying IRMAA.

Another classic problem with government’s intervention in capitalism. We all end up paying more.

[Topspinmo]

Originally Posted by Normal

Another classic problem with government’s intervention in capitalism. We all end up paying more.

Only ones that got money….. easy 100 billion year in MC/MC fraud.

[retiredguy123]

Originally Posted by Topspinmo

Only ones that got money….. easy 100 billion year in MC/MC fraud.

The Government has no money, but they can borrow as much as they want.

[OrangeBlossomBaby]

Originally Posted by Rainger99

Health insurance keeps going up.

ACA premiums will jump by 13 percent next year, though much of the price increase will be offset by subsidies.

Premiums for employer plans, could go up by about 10 percent in 2027.

As for Medicare, the standard Part B premium is projected to increase to $209.50/month in 2027 (up $6.60 from $202.90 in 2026) and the annual deductible is supposed to go up to $292 - a $9 increase.

In a few years I think a lot of people will be paying IRMAA.

Advantage plan was still no extra charge, just the basic part B premium out of the social security check. However, UH was giving me a $45 monthly "give back" this year, and in 2027 that goes down to $15.

So I switched to CarePlus, which is owned by Humana. Their give-back is $170/month. No deductible for medical expenses, and the prescription deductible won't apply to me because my prescriptions cost $0 anyway. The out of pocket cost is higher, but by less than $1000 for the year, and I didn't hit the out of pocket max on UH so again - that won't apply to me anyway.

I get to keep most of the same doctors. My ortho surgeon isn't in network, but he was my second choice, because my first choice wasn't on the UH network. Now I can go to my first choice, which is in the Humana network.

[Babubhat]

You need a better tax planner if Irma is a problem. Know. Don’t speculate.

[tophcfa]

Originally Posted by retiredguy123

The Government has no money, but they can borrow as much as they want.

Right up until the point where they can’t find anyone to by their debt without paying a huge risk premium.

[ThirdOfFive]

Originally Posted by Rainger99

Health insurance keeps going up.

ACA premiums will jump by 13 percent next year, though much of the price increase will be offset by subsidies.

Premiums for employer plans, could go up by about 10 percent in 2027.

As for Medicare, the standard Part B premium is projected to increase to $209.50/month in 2027 (up $6.60 from $202.90 in 2026) and the annual deductible is supposed to go up to $292 - a $9 increase.

In a few years I think a lot of people will be paying IRMAA.

Tedens Tegn

(with apologies to my Norwegian friends...)

[OrangeBlossomBaby]

Originally Posted by tophcfa

Right up until the point where they can’t find anyone to by their debt without paying a huge risk premium.

That hasn't stopped them lately.

[tophcfa]

Originally Posted by OrangeBlossomBaby

That hasn't stopped them lately.

They keep digging the hole deeper, which will eventually collapse. Look at what’s happening in France.

[Topspinmo]

Originally Posted by retiredguy123

The Government has no money, but they can borrow as much as they want.

I was talking about citizens that need healthcare. The governments at any level just collect citizen’s money when they need it as long as the paper money Ponzi scheme holds up.

[Battlebasset]

Question: For those of you under 65, are you using the exchange (healthcare.gov) and what has your experience been with your selected health insurance company over the past year? Thanks in advance!

[Haggar]

Originally Posted by Babubhat

You need a better tax planner if Irma is a problem. Know. Don’t speculate.

QCD's are a great tax reduction plan. A Qualified Charitable Distribution is paid from your IRA and counts against your Required Minimum Distribution. Since only the portion paid to you is included in income this reduces your Modified Adjusted Gross Income and may reduce your IRMMA.

Maximum amount that can be given from your IRA for QCD is $111,000 in 2026.

I've got a client who has a large RMD and used the QCD to make substantial contributions to charities. Tax savings were large.
He still gets his full standard deduction.

By the way up to $1,000 for single filers/ $2,000 for joint filers in cash/check/credit card contributions to qualified charities are deductible in addition to the standard deduction in 2026.

[Pugchief]

Originally Posted by Rainger99

ACA premiums will jump by 13 percent next year, though much of the price increase will be offset by subsidies.

Sounds pretty much like socialized medicine. Premiums basically don't go up if you get the subsidy, and everyone else pays WAY more, to cover the increase in cost and the increase in subsidy. Brilliant (not).

Originally Posted by Normal

Another classic problem with government’s intervention in capitalism. We all end up paying more.

The more their involvement, the more expensive and less efficient the result. ALWAYS

[Sparky99]

Originally Posted by Rainger99

Health insurance keeps going up.

ACA premiums will jump by 13 percent next year, though much of the price increase will be offset by subsidies.

Premiums for employer plans, could go up by about 10 percent in 2027.

As for Medicare, the standard Part B premium is projected to increase to $209.50/month in 2027 (up $6.60 from $202.90 in 2026) and the annual deductible is supposed to go up to $292 - a $9 increase.

In a few years I think a lot of people will be paying IRMAA.

If you need this coverage then it is worth it.