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progree

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2. ACA health insurance will cost the average person 75 percent more next year, research shows, NPR

Fri Jul 25, 2025, 12:42 PM

Jul 25

7/18/25
https://www.mprnews.org/story/2025/07/18/npr-aca-health-insurance-premiums-obamacare-bbb-kff

Health insurance premiums are going way up next year for people who buy their insurance on Healthcare.gov or the state-based marketplaces, according to an analysis out Friday ( https://www.healthsystemtracker.org/brief/individual-market-insurers-requesting-largest-premium-increases-in-more-than-5-years/ ).

The average person who buys Affordable Care Act insurance will be paying 75 percent more for their premium, according to the analysis from KFF, a nonpartisan health policy research group.

. . .

If healthy people opt out, the insurance pool is left with those who cost insurance companies more — people who can't go without health insurance because of chronic conditions or expensive medications. "That's why insurance companies are going ahead and charging a higher premium, with the expectation that the market is going to get sicker next year," explains Cox.

So, it's a combination of the expiration of the enhanced premium subsidies that began in the Covid era that will primarily spike costs. Then, disproportionately the healhier will opt not to pay for insurance and so drop out of the insured pool, leaving a sicker pool who most need the coverage. The combination will result in the average of the remaining insured seeing a 75% premium increase.

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Remember the above is the ACA. Then there's cuts to Medicaid, Medicare... Oh, and there's huge cost increases expected too for employer-provided coverage and the employee share, according to an article I read maybe 2 weeks ago.

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