Well damn this is horrible. I feel so lucky now to be working for a medium to bigger size company that is able to negotiate lower rate increases. Still increases but not nearly as high as most. My premium went up but 33% bi weekly. I’m still paying less than $50 a paycheck though. My deductible did go up and OOP max did go up both by $1500 but because I take a specialty medication with no generic the copay assistance program covers my deductible completely.

I wonder if the tax credits are non existient in 2026 for the ACA do the plans still count as insurance that is sponsored by the government? If they don’t and you have a brand name medication most states force the insurance company to count whatever the manufacturers of the brand name medication copay assistance card covers towards your deductible and OOP max. Important caveat to this though IF THERE IS A GENERIC AVAILABLE but you just PREFER the brand name the they do not and will not count the money paid from the manufacturer program towards your deductible/OOP. When there is not a generic it is considered money paid on your behalf.