2025 ACA Rate Changes Discussion

[Eucerin]

It's super easy. Just transfer money into the Fidelity HSA. I send my 2% Fidelity VISA cash back into it automatically, and then I transfer additional funds around tax planning time.

Fidelity has a widget online where you can see how much you've contributed for the tax year.

At least, the above is how it works for me, who established my HSA directly with Fidelity and not through an employer. If you have a Fidelity HSA via an employer, I suppose it might work differently.

I spoke with Fidelity rep this afternoon, it seems the process is pretty straight forward. I can call them or just online move money from one account to another.

 

[TickTock]

There are 39 ACA plans available to us, but only 3 providers and therefore only 3 networks.

The PPO that we are on this year dropped their HSA eligible plans. The 2 HMOs do not have our current healthcare providers in-network. So we're staying with the PPO, which does have them in-network.

Not apples-to-apples due to the HSA plan being dropped, but our new plan is ~8% higher. Another ~7% increase due to higher MAGI (partially due to not being able to put in HSA $, the remainder due to draining an inherited IRA in 2025).

 

[GenXguy]

Mine went from under $20/mo to over $80/mo! That's with about the same predicted income and same insurance / out of pocket.

However, the system wouldn't even let me enroll in a plan for next year until I went back to my application and entered a higher monthly income despite having entered $30 K/yr income for just me. Since I had put a low and accurate expected November income, it said I might be eligible for Medicaid and to wait to hear from the state. So I jacked that up to about 1/12 of my yearly estimate to get past that hold up.

ACA questions

Actually I was not confused by SecondCor521's response. He made it clear that it was monthly prorated, thus it didn't matter what month I took the full pension. He answered this question fully plus a few follow ups. I trust his responses plus cathy63's opinions on tax issues. Well, from your...

www.early-retirement.org

 

[MTB4me]

This year will be my first in the ACA marketplace since retiring. I’ve recently exhausted the 18 months of Cobra coverage. In comparing plans through open enrollment here in Washington state, I’m very confused by the costs I’m seeing.

Coverage is for two of us, married and filing jointly, 60 years old, and with annual investment income in the $60K-$80K range, largely interest and dividends. Neither of us is currently drawing from pensions, IRAs, 401Ks, or any other retirement funds.

What I don’t understand is why I get estimates/quotes that are 2x higher when I’m logged into Washington’s health plan finder site than when I stay logged out and just use their estimator tool. I enter the same parameters as far as ages, estimated income, etc., in both cases. It just doesn’t make sense. Any ideas?

 

[DEC-1982]

Normal ACA silver plan till now. GA started its own state plan in 2025 so we got transferred out of the national market automatically.

2025 unsubsidized premium total jumped 20.28% from 2024

Our subsidized premium jumped 21.68% but I did increase my expected MAGI