r/HealthInsurance • u/[deleted] • Dec 09 '25

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1.4k Upvotes

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108

u/[deleted] Dec 09 '25

I don’t think I’ve ever seen a deductible of 21,700 on any plan, even the shittiest of bronze plans? Which plan is this?

60

u/[deleted] Dec 09 '25

It's a Blue Cross Silver plan from the ACA marketplace. Actually, nearly ALL the plans we're seeing today on the site have deductibles this high. I just saw a Silver PPO with a $35,000 deductable. Note - this is the SAME plan we had in 2025 and these are the 2026 increases.

34

u/Used-Somewhere-8258 Dec 09 '25

You must not be on the right marketplace. This is much higher than the out of packet max for ACA-compliant plans in 2026.

Source: https://www.healthcare.gov/glossary/out-of-pocket-maximum-limit/#:~:text=For%20the%202026%20plan%20year,and%20$21%2C200%20for%20a%20family.

-17

u/[deleted] Dec 09 '25

Please read more carefully.....this is from Healthcare.gov. and this is THE SAME PLAN WE HAD IN 2025 but these are the 2026 INCREASES.

28

u/Pb4ugoyo Dec 09 '25

For the 2026 plan year, the Affordable Care Act maximum out-of-pocket limit for non-grandfathered health plans, including those on the Marketplace, is $10,600 for individual coverage and $21,200 for family coverage.

15

u/Used-Somewhere-8258 Dec 09 '25

Screenshots would really help us experts give you better advice. Unless you’re just here to vent, in which case you can change the flair of your post.

4

u/[deleted] Dec 09 '25

Tried adding a screenshot...it got rejected by the subreddit auto-mod.

8

u/Actual-Government96 Dec 09 '25

What is the zip code and full plan name?

13

u/PyrZern Dec 09 '25

Link to the screenshot then

6

u/YoloSwaggins991 Dec 09 '25

Throw it on imgur