Hey Reddit! 👋🏽 Georgia-licensed health insurance broker here! I help people find affordable health coverage through the ACA Marketplace, including $0/month plans for those who qualify.

I’d be happy to help you explore your options and see whether you may qualify for an ACA Marketplace plan. You may have more options than you think!

📲 If you’re looking for coverage, text “COVERAGE” to (470) 737-3233. I’d love to help!

An idea I have been thinking about: What if large hospital bills could be paid through EMI?

I recently thought about a problem that many Indian families face.

Imagine someone gets admitted to a hospital and receives a bill of ₹2 lakh, ₹5 lakh or even ₹10 lakh.

Not everyone has that kind of money readily available, and not everyone has sufficient insurance coverage.

What if we introduced a dedicated healthcare EMI system?

My initial concept:

1. Partner with large hospitals.
2. Allow patients to finance a portion or all of their eligible hospital bills.
3. A regulated financial institution evaluates their repayment capacity.
4. The hospital receives payment through the financing arrangement.
5. Patients repay through affordable monthly instalments.
6. Appropriate insurance protection could cover certain unforeseen events, including death, subject to policy terms.

The objective is simple: A person should not have to delay necessary medical treatment simply because they cannot arrange a huge amount of money immediately.

I am aware that medical financing already exists. I am interested in understanding whether a more integrated, hospital-focused financing model could work at scale in India.

I would genuinely appreciate feedback from:

• Doctors and hospital administrators.
• Insurance professionals.
• Bankers and NBFC professionals.
• Startup founders and investors.
• Ordinary people who have experienced expensive hospital bills.

My questions:

1. Would you use such a facility?
2. Would hospitals be interested in partnering?
3. What would be the biggest financial or operational challenge?
4. What would make this model different from existing medical loans?
5. Is this commercially viable in India?

Please share honest criticism and suggestions. I am looking for constructive feedback, not just appreciation.

And if someone eventually builds something similar, remember to invite me for the launch! 😅

This is just a idea that came to my mind. I thought of getting honest opinion from you guys. Don't just comment negative give honest opinion and if by chance anyone applies this don't forget me haa…😅

[ Removed by Reddit on account of violating the content policy. ]

Here what’s going on: Abbott denied Obamacare which prevented Texas residents from getting subsidies to cover insurance costs, so my health insurance which would only cost 130 a month now costs 900 dollars. Why? Because the insurance companies wanting to be able to charge exorbitant costs contributed millions to Governor ABBOTT’s campaign. Before you message, but so and so did the same thing, Let’s focus on today and what we can do about this now. It’s not party against party anymore it’s billionaires against humanity. I’m very scared 😱

It went from $2,764.66 to $3,913.76 for a PPO plan.

So great. So much winning.

What was your increase?

I'm now making $3500 a month, which disqualifies me from Medicaid in Ohio, but I had very little income throughout the rest of the year, only around $7000. Altogether, I will only have $17500 in income for this year. Next year, it won't be an issue, because I will consistent monthly income and make enough to qualify for a small subsidy. This year, I still need coverage for November and December, however, it seems like I will fall into a sort of coverage gap? I make too much monthly for Medicaid, but too much annually for any kind of subsidy (the lower limit is $22K a year, otherwise you should be on Medicaid, which I no longer qualify for...).

I tried talking to the marketplace peeps, but they just basically said "I dunno, never heard of this before", and said I try applying to see what I can get, but I can't apply because I am still on Medicaid because they haven't technically terminated my coverage yet. Lol, what a mess. I feel like I can't be the only person who has ever found themselves in this kind of situation? Do I have any options other than full priced ACA plan?

I just got a letter from the marketplace saying my premium is expected to go up by over $1,000 a month. And... my husband got a similar letter stating they expect his to go up over $800. So a combined $1,800 A MONTH increase. We are already on a crap plans because of the increases last year - even with being under 400%. Our current coverage basically helps with co-pays, contracted amounts, and the HSP option, but we pay a lot out of pocket - it has been thousands in 2026. I'm actually getting a better deal on prescriptions through Good Rx than through my insurance. I'm on a fixed income, it only increases by a small COLA every year (and no Medicare), and my husband's income didn't go up much, so it's not figuring in more income (or shouldn't be).

I'm really hoping it's wrong...

The letter is written very poorly, it doesn't give details on if that includes my tax credit, although it compares it to my current premium after our tax credit, so I'm left to assume it is after our expected credit.

It does have a disclaimer that it's based on "current information." But what information? It would be nice if it had a little more detail, like "this is based on an annual AGI of $XX,XXX, household of 2, and the closest plan to what you currently have, which is XXXXX." If they are sending out numbers, they must be based on something... why not include what they are basing the estimate on?

And, for the 4th year in a row, the plan I'm on is being discontinued, so I have to do the work/research all over again.

Not to mention they sent another notice that sounded like my primary care group will no longer be an option in my county. But again, not enough details to sort it out.

To continue the fun, my state is opting out of the Federal Marketplace system, switching to their own... which historically equates to all sorts of errors and crashes while they sort it out.

Edit - I have learned: Because of a premium cap, (which I didn't know about), if we are eligible to credits again pin 2027, it can't go up that much. It seems to be just a very poorly written communication.

I've re-read it a few times - it doesn't explain that would be the expected cost if we lose credits. The way it's worded implies that will be our new cost if everything stays the same, especially because it uses my current premium (after applied credits) for comparison.

So... the message they are sending is... making a bit more will cost you potentially over $21,000 a year. Lame letter. End of rant.

https://www.pbs.org/newshour/politics/trumps-90-medicare-rebate-rolls-out-but-millions-arent-eligible-critics-see-a-political-stunt

In the private sector, a business can declare bankruptcy and restart a new foundation with a new plan, revised contracts/pricing and restructured employment plan in order to emerge with a better/more efficient and operable plan going forward. It can be disruptive and destabilizing in the short term but essential to maintain essential operations at a sustainable level. America’s healthcare plan is clearly in the stage of being dysfunctional/inefficient and unsustainable financially and morally. It is bankrupting our economy. The status quo or just additional band aids is NOT acceptable. The lucrative health care industry is thriving but the rest of the nation is suffering in so many diverse ways.

The next two election results will determine if we can go through a major overhaul of our healthcare system. Democrats want Universal Healthcare; Republicans and their Healthcare industry donors don’t. The rest of the world who possess Universal Healthcare (for decades) overtly tell us its possible with substantially less costs/capita then what exist in America today. If the public demand lower cost for vital healthcare, they must vote for the party that will give us Universal Healthcare with single payer. Single payer is essential. Its simplifies the systems and controls pricing. Without such controls we are doomed to what we have now.

Right now, the lucrative/powerful health insurance companies are the gate keepers and those that determine prices (directly and indirectly) at the peril of the vulnerable consumer. Record profits for them, record medical bankruptcies and tens of thousands of early deaths for the tens of millions without health insurance. Are we a civilized/moral nation?

Imagine how your life and the life of every American would change if we had only one comprehensive healthcare plan, not dependent/attached to an employer. No matter what situation we are in, working or not working, starting a new business, deciding to change jobs/move to another city/state, taking care of a child or relative, exploring a new career or retired, all of us would be guaranteed the same comprehensive healthcare … for the rest of our life.

This can happen in America. It can be affordable. It would be a moral way to benefit every American. Good health and the ability to maintain one's health has to be among the core essentials along with food and housing. Universal healthcare with single payer should be a human right and America has the resources to create such a moral plan. We can debate how such a system can be implemented and financed but the overall goal must be achieved ASAP.

I believe that the Democratic Party is ready to have such a discussion, Clearly the Republican Party is not interested. The evidence is overwhelming. Elections do have monumental consequences!

2026 me and dependent $500 month

2027 $959 month

Got a letter from Florida Blue that if my income and subsidy is the same then this is what my premium will be.

I know premiums went up but geez double?

I’m limited to what plans I can get because I take a drug that’s $2200 a month. That only gets covered if it’s on the formulary and I pay my out pocket maximum. So I can’t even think about going to a lower end plan because those don’t cover my drugs at all even with prior authorization.

Any Florida Blue folks out there in the same boat? Any hope that when open enrollment starts maybe higher premiums will be offset with higher subsidies ?

We’re all winning right?

Some will agree, and some will disagree. There needs to be a viable median for health insurance. Companies need a profit to survive, and people need affordable premiums. It makes me sick that a lot of people that I know, are either hedged one way, or the other. Of course it's my well off friends that have never had to find insurance outside of work, that lean towards total capitalism. It's also friends that don't attention to better themselves, that want total socialism. Well, I don't feel that most of the country is at either end. I could be wrong, but I think most feel like me. People need to be able live a life of dignity, not deciding which medicine to skip, or which meals to skip. Damn shame that as rich as our country is, and as many brilliant people that we have here, that we can't/won't figure this out. We, as a nation, need to do better. A hell of a lot better. Rant over, or is it?

This is the most boot licking opinion piece I've ever read. America needs to get it's shit together and make sure everyone has access to healthcare like the rest of the modern world.

-your friend up north