Show threadCharles Gaba ✡️6h ago
Nearly 200,000 Floridians were priced out of even *signing up* for #ACA coverage during Open Enrollment this year, & the ~4.5 million who did are being hit with a 58% increase in net premiums *and* a similar hike in out of pocket costs (deductibles, co-pays, etc). That's over $1,200 more *apiece.*
Charles Gaba23h ago

📣📣 VERMONT: The Green Mountain State is first out of the gate with *preliminary* *2027* #ACA rate filings...

https://acasignups.net/26/05/28/vermont-first-out-gate-preliminary-2027-aca-rate-filings-65-average

Vermont: First out of the gate with preliminary 2027 ACA rate filings: up 6.5% on average

Every year around this time I start my annual individual & small group market rate filing analysis project. This involves spending months painstakingly tracking every insurance carrier rate filing for the upcoming year to determine just how much average insurance policy premiums on the individual market are projected to change. Carriers tendency to jump in and out of the market, repeatedly revise their requests, and the confusing blizzard of actual filing forms sometimes make it next to impossible to find the specific data I need. The actual data I need to compile my estimates are actually fairly simple, however. I really only need three pieces of information for each carrier: How many effectuated enrollees they have in ACA-compliant policies this year; The average projected rate change for those policies; Ideally, a breakout of the reasons behind the changes. Usually the reasons given are fairly vague things like "increased morbidity" (ie, a sicker risk pool) or the like. Sometimes, however, there's a very specific reason given for some or all of the premium changes.

ACA Signups
Charles Gaba ✡️23h ago
📣📣 VERMONT: The Green Mountain State is first out of the gate with *preliminary* *2027* #ACA rate filings... acasignups.net/26/05/28/ver...

Vermont: First out of the gate...
Vermont: First out of the gate with preliminary 2027 ACA rate filings: up 6.5% on average

Every year around this time I start my annual individual & small group market rate filing analysis project. This involves spending months painstakingly tracking every insurance carrier rate filing for the upcoming year to determine just how much average insurance policy premiums on the individual market are projected to change. Carriers tendency to jump in and out of the market, repeatedly revise their requests, and the confusing blizzard of actual filing forms sometimes make it next to impossible to find the specific data I need. The actual data I need to compile my estimates are actually fairly simple, however. I really only need three pieces of information for each carrier: How many effectuated enrollees they have in ACA-compliant policies this year; The average projected rate change for those policies; Ideally, a breakout of the reasons behind the changes. Usually the reasons given are fairly vague things like "increased morbidity" (ie, a sicker risk pool) or the like. Sometimes, however, there's a very specific reason given for some or all of the premium changes.

ACA Signups
Charles Gaba1d ago

🚨 How much more are DELAWARE #ACA enrollees *really* paying this year due to Trump/GOP policies?

https://acasignups.net/26/05/28/how-much-more-are-delaware-aca-enrollees-really-paying-year-due-trumpgop-policies

How much more are DELAWARE ACA enrollees *really* paying this year due to Trump/GOP policies?

IMPORTANT: See the original post in this series for an explanation of the methodology. Regular readers know that I've been obsessing over the massive increases in both gross as well as net premiums for ACA health insurance policy enrollees being caused by the combination of Congressional Republicans allowing the enhanced federal tax credits to expire as well as other Trump Regime policy changes for well over a year and a half now. I've written countless analyses of how much both gross and net premiums skyrocketed from 2025 to 2026 across different states, different income levels and various other demographics...and last week it was revealed that over 3 million ACA exchange enrollees had already been priced out of the market as of April, with the number almost certain to climb further throughout the rest of 2026. As I've repeatedly warned, however, the increases in premium costs (whether gross or net) are only half the story. The other big shoe which is dropping this year is increased out of pocket costs as millions of the ~19.2 million or so remaining enrollees as of April have been forced to downgrade their coverage to avoid (or at least minimize) those massive premium spikes.

ACA Signups
Charles Gaba ✡️1d ago
🚨 How much more are DELAWARE #ACA enrollees *really* paying this year due to Trump/GOP policies? acasignups.net/26/05/28/how...

How much more are DELAWARE ACA...
How much more are DELAWARE ACA enrollees *really* paying this year due to Trump/GOP policies?

IMPORTANT: See the original post in this series for an explanation of the methodology. Regular readers know that I've been obsessing over the massive increases in both gross as well as net premiums for ACA health insurance policy enrollees being caused by the combination of Congressional Republicans allowing the enhanced federal tax credits to expire as well as other Trump Regime policy changes for well over a year and a half now. I've written countless analyses of how much both gross and net premiums skyrocketed from 2025 to 2026 across different states, different income levels and various other demographics...and last week it was revealed that over 3 million ACA exchange enrollees had already been priced out of the market as of April, with the number almost certain to climb further throughout the rest of 2026. As I've repeatedly warned, however, the increases in premium costs (whether gross or net) are only half the story. The other big shoe which is dropping this year is increased out of pocket costs as millions of the ~19.2 million or so remaining enrollees as of April have been forced to downgrade their coverage to avoid (or at least minimize) those massive premium spikes.

ACA Signups
Show threadCharles Gaba ✡️1d ago
On the one hand, avg. full-price #ACA premiums were already over $900/month on average last eyar, so the fact that they "only" increased by 12% (to $1,030/mo) isn't that impressive. On the other hand, thanks to the state subsidies, *net* avg. premiums are only going up about 7.6%...
Show threadCharles Gaba ✡️2d ago
Short version: Prior to the #ACA, individual market health insurance premiums were indeed far lower on average than *unsubsidized* employer sponsored insurance. HOWEVER, most of that was because pre-ACA, indy insurance generally *didn't include any protections or coverage requirements.*
Show threadCharles Gaba ✡️3d ago
The good news: This is knocking avg. net premiums down by around $460/yr per enrollee. The bad news: Even with that, the 277,000 CO #ACA enrollees are still paying an average of ~37% higher premiums & ~19% higher out of pocket expenses, or over $1,200 more apiece this year.
Show threadCharles Gaba ✡️3d ago
Like some other states, Colorado has passed emergency legislation to generate ~$100 million for supplemental #ACA subsidies to help mitigate the lost *federal* tax credits which Republicans allowed to expire back in December. They're providing up to $80/mo in extra subsidies to ~70% of enrollees.
Bich Nguyen3d ago

"The dueling narratives are taking place ahead of the fall midterms as Democrats attempt to persuade voters that President Donald Trump and his policies are to blame for rising costs across the economy — with health care at the top of the list. Republicans are countering that they are saving Americans money by going after fraud that Democrats have long overlooked — and showing results."

https://www.politico.com/news/2026/05/25/obamacare-affordability-premiums-fraud-midterms-looming-00930051

#healthcare #ACA #obamacare #medicaid #insurance #CostsOfCare #USpol

RFK Jr., states at odds over cause of Obamacare’s enrollment declines

Trump administration officials point to their work on fraud as the reason for dropoffs while states and insurers blame higher premiums.

Politico