[cogman10]

There will never be a cited reason for increases, but here's 2023 where basically all insurers filled for a 10% increase in premiums. [1]

Since the 2022 covid bill which significantly increased the subsidization of premiums, health insurers have found various reasons to increase their premiums by inflation beating numbers.

That's obviously a "the market will bear it" situation.

The ACA was a big bill that did a lot. I'm not talking about all of it, but rather the premium subsidization along with the covid premium increase which both expired in 2026.

Look, the premiums expiring was bad. IDK if that was clear from my earlier comment. But there's a fundamentally unaddressed issue with insurers in general where they charge not based on competition or the cost of service, but based on what consumers can bear. Profit incentives for healthcare in the US are completely misaligned with providing good general healthcare. The ACA premiums are a bandaid over an artery laceration. Better than nothing, but that thing is going to very quickly start bleeding through. You can keep slapping on band-aides, but ultimately you'll be looking at more damage if you don't just address the issue.

[1] https://www.healthsystemtracker.org/brief/an-early-look-at-w...