Some information on health insurance premiums:

• According to the U.S. Bureau of Labor Statistics, prices for health insurance are 47.42% higher in 2025 versus 2005 (a $9.48 difference in value).
• Between 2005 and 2025: Health insurance experienced an average inflation rate of 1.96% per year. In other words, health insurance costing $20 in the year 2005 would cost $29.48 in 2025 for an equivalent purchase. Compared to the overall inflation rate of 2.52% during this same period, inflation for health insurance was lower.

https://www.in2013dollars.com/Health-insurance/price-inflation

If you want premium inflation by year, Statist has it since 2007:

https://www.statista.com/statistics/1337407/health-insurance-price-inflation-rate-in-the-us/

If you want a good reason why there is medical inflation that leads to higher rates:

@snarlcakes bit son. Bit

@arthur-dent @spartans9312 okay Marv and Spartans this chart and the alleged decline makes zero sense to me UNLESS that reduction figure reflects those people on subsidized insurance through the marketplace.  I don’t qualify and my costs, premiums and deductibles, have only gone up.

@arthur-dent I don’t where they are getting that chart. It has to be subsidized or I’m not reading it right.  Health insurance premiums in Missouri rose 11 percent in 2023 for gold/silver plans.  And there was no reduction nationwide. The average was up 4 percent for unsubsidized.   Much less than the prior year but still up. For unsubsidized it has gone up every year 

Or it is tethered as a comparison to inflation which doesn’t mean much considering we had a 40 year spike in that 

@arthur-dent according to AI the increase in health insurance costs in Missouri from 2011-2017 was 237 percent.  That was Obama care.  And it has gone up from that 237 percent every year since

Posted by: @mcm666

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@arthur-dent @spartans9312 okay Marv and Spartans this chart and the alleged decline makes zero sense to me UNLESS that reduction figure reflects those people on subsidized insurance through the marketplace.  I don’t qualify and my costs, premiums and deductibles, have only gone up.

@larsiu don’t know. Don’t have time to drill down. What I can say is that it certainly doesn’t reflect unsubsidized marketplace plans (silver/gold) here in MO. Again they went up 237 percent from 11 to 2017 and have only gone up every year since.  Tether that to deductibles that are absurd and it’s a major expense.  With my lemon daughter and ex I’m sure between what’s not covered deductibles meds and coverage I’m easily dropping $50k a year on health shit.  

to not qualify for a subsidy you have to make 400x poverty rate.  Again. My opinion but if the subsidies end a shit ton will be paying what we all pay or go without and it will not be a good look for pubs 

Posted by: @mcm666

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@snarlcakes it has definitely gone up considerably since Obamacare.  It’s hard to generalize this period coming up bc there are so many variables.  Different plans. Carriers. State differences. But let’s guess 20 mil are on subsidized marketplace plans.  Who then aren’t subsidized.  Then bc the cost of care is outpacing inflation wages etc those who are on unsubsidized plans also see an increase on top of what is already expensive insurance. You’ve got a shit ton of angry folks. Tens of millions.  Then bc cost of care blah blah employer based plans also go up.  Well now you have yet another burden facing avg joe voter.  And they won’t care about the debt. 30 trillion. 35 trillion. What’s the fucking difference they’ll say.  And threat to democracy. Good grief no one cared one iota about that last time and certainly won’t again.  

groceries

healthcare. 
health insurance. 
gas.  

then if the economy stalls. Tariff prices creep kicks in.  2026 could be ugly for pubs as long as Dems don’t push socialism lunatics or the nut bag lady in calif who was on bill maher saying her 12 year old was crying over what if some day she needs an abortion insanity 

Yet you hype Shapiro in Pennsylvania,  a politician battling hard to bankrupt his own state.

Don't get it...

@qparker his posture rhetoric etc. I haven’t looked closely at policies etc

@larsiu so 400 percent for a fam of 4 is like $130k.  So probably 25 mil ish would lose subsidies and have to pay what I pay and it ain’t cheap.  And no one wants Medicaid. That’s only for emergencies and hood doctors

@mcm666 here is the Bureau of Labor Studies page discussing premiums:

https://www.bls.gov/opub/mlr/2024/article/measuring-total-premium-inflation-for-health-insurance-in-the-cpi.htm

But here is a fun one, health care inflation by month. Look back in time. Draw conclusions. Has ACA increased healthcare costs? Note all through the 80s it was increasing 6-12% a month, 4% under Bush 43.

Take a look at the latest 50s, before Medicare.

https://www.usinflationcalculator.com/inflation/health-care-inflation-in-the-united-states/

Anyway, if premiums are going up far more than inflation, there actually is an easy answer. These companies by stop loss insurance to protect them against things like a 25 week premier being born costing several million. That insurance is rapidly increasing. Now look at the average age of Americans I gave previously. We are paying for being a nation of 80 year olds and not 20 year olds. 

I don't have a solution to that.

• In a reflection of ongoing market trends, the Aegis survey also revealed average annualized increases in stop loss premiums of 10.4% to 13% and higher as deductibles increased (when comparing 2022 to 2024). 

https://www.google.com/amp/s/blog.valenzhealth.com/stop-loss-medical-costs%3fhs_amp=true

CO and Mas are probably two of the older people on this board, do we want them to have insurance? I do. If so, there is the inflation issue because statistically they are more likely to need extreme measures.

Posted by: @arthur-dent

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CO and Mas are probably two of the older people on this board, do we want them to have insurance? I do. If so, there is the inflation issue because statistically they are more likely to need extreme measures.

Both already benefit from "socialized medicine."

@arthur-dent these numbers don’t match anything I see here in Mo for unsubsidized.    not even close.  It has to be combining Medicaid subsidized and unsubsidized.  Again 237 percent during Obamacare implementation

Posted by: @mcm666

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@larsiu so 400 percent for a fam of 4 is like $130k.  So probably 25 mil ish would lose subsidies and have to pay what I pay and it ain’t cheap.  And no one wants Medicaid. That’s only for emergencies and hood doctors

• Having to subsidize health insurance for a family making 130k is gross and reflective of out of control healthcare costs. 
• Losing the subsidy in Marion Co. Indiana. Family of 4 (ages 40,40,12,10) with household income of:
  • 150k - Bronze Plan
    • Increase from $884/mo to $1054/mo
    • $170 per month add'l cost, $2046 for the year
  • 150K - Silver Plan
    • Increase from $1063/mo to $1233/mo
    • $170 per month add'l cost, $2046 for the year
  • 100k - Bronze Plan
    • Increase from $345/mo to $651/mo
    • $307 per month add'l cost, $3680 for the year
  • 100k - Silver Plan
    • increase from $523/mo to $830/mo
    • $306 per month add'l cost, $3680 for year

Ouch. Yeah, the Dems could crush the Pubs on this topic if they were able to message properly. Which they won't b/c they'll make it about trans rights or something woke instead of a purely economic issue. 

calculator site

https://www.kff.org/interactive/how-much-more-would-people-pay-in-premiums-if-the-acas-enhanced-subsidies-expired/

@larsiu very helpful info