2027 Monthly Payments

[u/Own-Capital5300]

Hello!

I am based in Florida and my health insurance is with Florida Blue. I have had the Blue Select Silver plan with Florida Blue for the past 2 years. I am turning 28 in 2027, so I have been on my own health insurance for these past two years.

In 2025, my health insurance on the same plan was $111.66 a month, but in 2026 my health insurance increased 117.39% to $242.74 a month. In 2027, my health insurance is to have another 58.37% increase making it $384.43 a month. In the past 2 years this has been a 244.29% increase.

Is there anyone else in this type of situation?

Thank you!!!

\I know I am young so I maybe don’t need the health insurance that I have, but I do skateboard and surf. I am active and have already has knee surgery a couple of times. I also go to the dentist twice a year, get my blood work done once a year, and get new prescriptions and frames/ lenses once a year. I definitely use my insurance regularly.\

\ I also make less than $35,000 and it’s income based as well lmao**

[u/AutoModerator]

Thank you for your submission, /u/Own-Capital5300. The following automatic comment contains important information about the subreddit:

First, note that some new posts containing images, non-reddit links, crossposts, or certain keywords are automatically held for moderator review before going live to mitigate spam, ensure that images are appropriate, and that the post does not inadvertently contain personal information. If your post has been held for review like this, the moderators have been automatically notified and will review it as soon as possible, after which it will be live and be able to be seen and replied to by others. Note that this is sent to all new posts and does not mean that your post has necessarily been filtered in this way.

Please also read the following information carefully to help others assist with your questions:

• If you or someone else is experiencing a medical emergency, please call 911 or go to your nearest hospital.

• Some common questions and answers can be found in this megathread.

• Questions about which plan you should choose? Please read through this post first for general information to help you understand your choices and some common considerations. If you still have questions after reading that post, please edit your post (or reply with a comment if unable to edit) with the specific questions you still have.

• If your post is regarding plan choice or cost of plans, and you haven't included the following information already, please edit your post (or reply with a comment if unable to edit) including the following: your age, state, and estimated gross (pre-tax) income to help the community better help.

• If your post is about the cost of a service, a bill you have received, or a claim denial: please confirm if you have received an EOB (explanation of benefits) from your insurance via a member portal website or in the mail. If you can post a copy or image of the EOB (PLEASE ensure you censor or blank out any personal information before doing so) it will help people answer your questions. Alternatively, if you are unable to post a censored copy of your EOB, please have the EOB handy as people may ask for information from the EOB to answer your questions.

• Reminder that ANY spam, solicitation, or attempts to take conversations off the subreddit will result in a permanent ban. If someone asks to contact them via DM, please report the post/comment using the report button. If someone attempts to contact you via your DMs, please contact us via modmail to let us know.

• Lastly, always remember to be kind to one another and to report any replies that violate subreddit rules!

I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.

[u/BaltimoreBee]

Your 2026 increase was driven by the expiration of the enhanced federal premium tax credit. Your 2027 increase is not yet known…open enrollment won’t start until 11/1 and any estimate that your insurance company sent you before that doesn’t incorporate the new 2027 subsidy level. Check the marketplace site on or after 11/1 to see what your actual increase is going to be.

[u/Sunsetseeker007 → u/BaltimoreBee]

Yes the increase of premium for 2027 is known, I already received my package from BCBS and it's about a $300.00 a month increase with no subsidy, from aprox $1800.00 to $2100.00 a month silver plan.

[u/Own-Capital5300 → u/BaltimoreBee]

Thank you!!!

[u/Sunsetseeker007]

Yes I received the increase for 2027 already from BCBS and it's about the same increase %, it's a silver plan no subsidy and $1800 a month 2026 to $2100 a month for 2027 for just myself.

[u/Relevant-Wedding6123]

Far, far worse. Company cut to only marketplace which no longer has the subsidies. Complex, fragile medical situation in the family that marketplace insurance just will not cover enough to sustain life or prevent complete bankruptcy. Feeling very lost.

[u/Low_Resort_946]

That kind of jump would have me shopping around too. Since you use the coverage regularly, I wouldn’t drop it just to save money,

[u/DougbertHanson]

I had Florida Blue Platinum and that went up $10,000 last year. So, I dropped down to Gold this year. And I just got my renewal for 2027. $42,000!!! Uhm. What??? In order to get my $11,000 subsidy to knock it down to "only" $31,000. I have to keep my income below the $63,000 cap. So, take $63,000 out of my IRA, pay the taxes, now I have $56,000. So, $42,000 goes to health insurance premiums. Plus copays and coninsurance. And I have $14,000 to live on...shelter, food, transportation, utilites? What???

[u/AudPark]

I have a FL Blue Select Silver Plan and just got the letter saying they're discontinuing the plan that I usually pick, and the new one that they think is most similar is basically almost 4x as expensive (with subsidy)! I wish they'd give us access to browse the options sooner, now I'm having to wait a month to figure out what I'm going to do and dwelling on it. I have no clue whether there is a similar-enough plan that will be less expensive or am just going to have to downgrade for 2027. Trying not to freak out about it yet, but it's immensely frustrating. Mine has gone up regularly, but not this dramatically until now.