These are the price increases that must be worried as well

Americans are concerned about inflation, and Americans were interested in daily products such as eggs and gasoline. But the lesser -famous expenses must cause more warning: the increase in medical insurance premiums. They were ascending, and now they are doing it With an unprecedented rate.

It must be considered that between 2000 and 2020 The price of eggs Flasting a little less than one dollar and about 3 dollars; It reached $ 6.23 in March, but then fell to $ 3.78 in June.

The average price of gasoline, after swinging between $ 2 and 4 dollars per gallon for more than a decade from 2005, is a maximum of $ 4.93 in 2022, and more than $ 3 recently decreased.

Meanwhile, since 1999, the medical insurance departments of people who have medical coverage through the employer More than quadruple. Between only 2023 and 2024, more than 6 % increased for both individual and family coverage, which is an increase More clear than wages And general inflation.

For many people who have medical plans created by Low PRICE Health CARE (ACA) – because they work for small companies or pay their coverage – the prices are likely to be more severe. In this market, state organizers They carefully examine Increases in the rates proposed by insurance companies, but only if they exceed 15 %.

The situation is about to get worse: by 2026, insurance companies have suggested in the ACA markets New high pricesIn New York, UNITEDHEALTHCARE suggested an increase of 66.4 %. Hmo Colorado request an average increase in More than 33 % In that case. In Washington Increase the average proposal For all insurance companies, they are 21.2 %, and in Rod Island is 23.7 %.

According to the Business on Health Group, a union for great employers, “the real costs of medical care It increased by 50 % accumulated Since 2017. ” Independent It was published in 2021, 87 % of companies said that in the five years to the next ten years, the cost of providing medical insurance for their workers will become “unclean”.

Insurance companies in the ACA market increases by 20 % on average for the next year, according to New analysis. Imagine the rent or mortgage payments for tens of millions of Americans suddenly increased in this amount.

In theory, those who organize insurance They can ask The proposed rates are reduced, and this occurs often. However, some countries are more active than others in this regard. Everyone fears that excessive organizational intervention can expel insurance companies from their markets.

Insurance companies provide many explanations for their accounts, some of which are related to the recent measures of Congress and President Donald Trump.

For example, the new definitions of American business partners are expected to increase the cost of medicines and medical supplies. At the same time, and Discounts in health spending The Republican Party Budget Law, along with the end of some subsidies for the installments of the Biden era at the end of this year, will include the loss of many people their medical insurance.

This is expected near 16 million Americans Insurance will run out in 2034, in many cases because keeping it will become disabled.

Since most of these people are likely to be young or healthy, the risk set for those who remain believers will be larger and more ill, and therefore, More expensive to cover.

“In the end, we believe that the ACA market may be smaller and will be more directed at the patient’s needs next year,” wrote Jani Kerioik, Vice President of Companies Communications in the field of health (previously known as Anthem). He added: “Our position reflects an early disciplined procedure.”

Remember that most insurance companies in the country in general for profit; Therefore, they tend to act for their shareholders, and not for patients who cover their medical care.

The major companies whose health plans can negotiate better conditions for their workers. But the smallest companies, in most of them, will have to accept offers.

The installments are not the only aspect of medical insurance that has become more expensive. Discounts (money that beneficiaries must pay from their pocket before the insurance comes into effect). The average discount for the standard ACA silver plan was in 2025 Nearly $ 5,000Almost this is twice in 2014 (for those who have medical insurance through the employer, the average is less than $ 2,000).

Some states are trying to stop this trend by providing a “general option” to the state, which is a basic insurance plan and at reasonable prices that patients can choose. However, Han I faced difficulties Because the low -payment rate of workers generally means the participating suppliers and reduce access to medical care.

If the voters are paying a lot of attention to the medical insurance price as at the expense of gasoline and eggs, the elected officials may respond with more measures.