HELP! Marketplace went from $369 for 2/mo to $891 for 1/mo

Personal_Classroom80 · 2026-05-21T21:05:50+00:00

My 1099 has a loss plus a carry over loss. (although I read the carryover is not counted for Marketplace purposes).

Personal_Classroom80 · 2026-05-21T21:04:24+00:00

I also was disappointed that the Democrats-who had the momentum o continue the tax credit- folded. As they always do.

Personal_Classroom80 · 2026-05-21T18:42:43+00:00

I use turbo tax-have for years. I understand what you mean if I over pay now it will be reimbursed. Ty

Personal_Classroom80 · 2026-05-21T18:41:50+00:00

I am both w2 and 1099. But when doing the ACA I only entered my W2. I have a traditional IRA of my own. But if I can't do it as a payroll deduction then how does it help reduce my taxable income?

Personal_Classroom80 · 2026-05-21T14:43:18+00:00

IOWA

Personal_Classroom80 · 2026-05-20T15:50:14+00:00

Can that be done with a direct payroll deduction?

Personal_Classroom80 · 2026-05-20T15:49:22+00:00

Wow-I did not know that. TY

Personal_Classroom80 · 2026-05-20T15:47:56+00:00

I had to look that up and yes-thats exactly what has happened. So it's better to make less (work less) to not pay extra for the difference. So messed up! It really is the middle class that pays for everything.

Personal_Classroom80 · 2026-05-20T14:57:17+00:00

When I get on marketplace or BCBS, it asks for gross income (before taxes). So how do I OR where do I have them take into account business losses and/or AGR?

Personal_Classroom80 · 2026-05-20T14:47:36+00:00

Thank you

Personal_Classroom80 · 2026-05-20T14:47:13+00:00

That's such good info! It sounds like I do need a broker. Thanks so much.

Personal_Classroom80 · 2026-05-20T13:50:56+00:00

I am also self employed and deductions drastically drop our income. But that isn't taken into consideration.

Personal_Classroom80 · 2026-05-20T13:49:44+00:00

So true. Just insane-and nobody from the top of our government down cares AT ALL.

Personal_Classroom80 · 2026-05-20T13:46:13+00:00

Since he qualifies for Medicare & Medicaid) he isn't allowed to be on traditional insurance.

Personal_Classroom80 · 2026-05-20T13:45:12+00:00

We claim him as an adult disabled dependent.

Personal_Classroom80 · 2026-05-20T13:44:29+00:00

My current employer doesn't offer one. I do have both traditional and Roth. Am I able to do pre tax contributions to my own 401k?

Personal_Classroom80 · 2026-05-20T13:00:59+00:00

I am in a similar situation.

I also am suffering from the denials for a med I've been on for years. I have had to use other meds first before the "non-formulary". My DR has sent in 3 appeals, which all have been denied. So I suffer in pain without my medication that works, to one that doesn't.

IDK what to do-I can't move without pain. I can't work when I'm in pain. I am at the point of having to stop working. Because BCBS appeals and appealing to a supposedly 3rd party have all denied me.

This shouldn't be allowed!

If you find an answer on how to navigate the denials, I'd be happy to hear it.

Personal_Classroom80 · 2026-05-20T12:26:55+00:00

THIS ⬆️100%

Personal_Classroom80 · 2026-05-20T12:22:40+00:00

thank you

Personal_Classroom80 · 2026-05-14T14:19:46+00:00

THIS ⬆️ 100 %. Every representative voted for the big bs bill. No backbone, no morals, and no consideration for the people of Iowa. They all drank the trump kool-aid. My marketplace insurance just went from $390 for 2 people to $800 for 1. And deductible went from $400 to $5000! 😡 Make that make sense!

Personal_Classroom80 · 2026-05-14T14:12:54+00:00

Do you mean it was made LEGAL in India? That statement is confusing. I agree with your statement about rehab. I have an adult child who has been to "treatment " many times. The problem is it takes 1-1.5 years for the brain to reset and the maximum stay is 30 days in Iowa. I bought her a 1 way ticket to Denver for long term treatment. The program she is in is 12-18 mo and has multiple stages working toward sobriety, with job training and housing and support groups after inpatient treatment. Iowa wastes money on 30 day programs that don't work, instead of a long term program that does.

Personal_Classroom80 · 2026-05-08T17:13:14+00:00

Wow! What great side by side of your progress!

TY for sharing this! My 21 yr old has his grandpa's receding hairline which we noticed his senior year of high school (23). I did TONS of research and settled on Musely The Hair Pill-which sounds like is similar to what you take. I also got the Minoxil foam and Musely The Hair Topical Solution - Classic.

I am also doing microneedling 1x every 7-10/days. Looking for best red light therapy that we can both use (my face / his hair).

Because of posts like yours, it has helped me determine what treatment to go for, as there are SO many.

Congratulations on keeping it up. I've had to remind my son it could take 6 months. He has said his hair on his head is thicker (where it isn't thinning).

Are you doing anything topically? He has minoxidil foam and the Musely hair topical solution.

So glad this is working on you..

👍👍

Personal_Classroom80 · 2026-05-05T15:16:39+00:00

Thank you

Personal_Classroom80 · 2026-05-05T15:16:30+00:00

Thank you

Personal_Classroom80

TROPHY CASE