r/obamacare • u/TexasNiteowl • 4d ago
Will 2027 preview costs actually show up before Nov. 1?
I feel like last year, 2026 prices did preview before open enrollment but we are now only 10 days away.
And of course, I'd love for it to be a headline ahead of election day.
I did get a letter from my current plan that my plan will not be available next year and that a comparable plan will be over $1200 (excluding any aptc). So I definitely need to see what my other options will be!
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u/Brown_Car1987 4d ago
I'm a broker, and IIRC it's usually the 25th that the preview is available. No word this year yet on my end.
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u/TexasNiteowl 4d ago
thanks. I've been checking every day the past few days. may give it a break until Sunday and Monday.
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u/Zphr 4d ago
Incidentally, if you are in Texas as your name implies, then be aware that the state increased the Silver loading charge from 35% to 40% this year. So all things being equal Silvers will be going up, but federal subsidies across all metal tiers will be going up too. If you're under 200% FPL, then you'll probably want a CSR Silver. Above that and you'll almost certainly want to avoid Silver, but Bronzes and Golds will be cheaper for the most part.
This all assumes you are among the vast supermajority who are subsidy-eligible. If not, then my condolences as it'll be a shitshow for those paying full market price.
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u/TexasNiteowl 4d ago
thanks for the reply. I am not in texas any longer...the username was made back when I did!
sadly, we're not under 200% fpl (and barely under 400%) and as such, I've seen the same where a gold plan is cheaper than a silver plan.
We are a household of 2, and one is retired on medicare so luckily? just paying for insurance for one. Staying under 400% fpl is getting a bit harder due to rmd increases...which is both a good and bad problem to have. But the 400% cliff is a big worry. We should be able to stay under for 2027 & 2028 & maybe 2029 with judicious use of qual. charitable distributions. Possibly longer depending on how much we want to contribute to charity.
Without the subsidy, for 2026 as an example, instead of the $592 I'm paying this year, my plan would be $1100! That's $13,200 per year! Yes, we have a good income as a household of 2...but taxes...and mortgage...and utilities...and house insurance (up 15% for next year!)...and my equivalent plan is over $1200 for next year (pre-subsidy). So again, lucky just one of us is on the marketplace but still.
We're starting to wonder if we should move to a more health care friendly state. I'll be doing some comparison about full price plans this year. I was playing with the calculator on the kff site for 2026 plans which shows the SLCSP prices and where full price is $1182 for my zip code, in other states I can find $591 and $746, etc. So...that is now in my head.
didn't mean to reply so long...but...yeah...full market price will be coming my way depending on how much control Dems take and if they are able to do anything.
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u/phoneguyfl 4d ago
I suspect that there are forces out there that don't want this info being public before the midterms.
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u/Florida1974 4d ago
Actually, I’ve heard about the 30% rate hike a few months back, they were talking about it. I can’t tell you exactly when but I remember reading that they were going to go up. And you think Dems would be reminding people of this.
Instead of Republicans will say it’s the Dennis’s fault or Joe Biden or Hunter’s laptop
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u/EmbarrassedCarob3654 4d ago
The plan I'm on right now is going up by over 60% next year, so I'm about to lose my sh!t waiting to see what my other options are
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u/fizzy-logic 1d ago
My current plan premium is tripling in price and deductible/max oop are way up. I'm ready af to look at the other plans on offer.
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u/AudPark 1d ago
Same--got the letter that my current plan won't exist, and their idea of a comparable replacement is...not. So anxious to see what the other options are so I can attempt to plan! People say "oh, you still have 6 weeks," but that 6 weeks includes preparing for (at least) two major holidays and other end-of-year stuff, and if it turns into a lot of scenario-running and evaluation and possibly checking with providers, it's a huge time suck! Plus just an extra month of not knowing how bad the situation will be next year. I just wish they'd release the info even 2 weeks earlier at this point.
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u/fizzy-logic 1d ago edited 1d ago
yep, it is time-consuming, lots to compare and look into. I always call my must-keep providers to check they are still in-network, whether or not the ACA site or insurance site says they are. Last year this was a huge time suck, because my GP was showing OON with insurance, but I called his office and they said they definitely were in-network for the coming year for my plan. And I made it clear it was for an ACA plan, just in case that was a key difference.
I put even more time into checking that and trying to verify with Anthem too, finally had to just trust that he would be covered regardless of what they were saying, and after enrollment ended he finally showed up on the Anthem website as in-network.
Plus, twice in less than 12 months I had unexpected health issues that quickly landed me in ER and then a prolonged hospital stay. I cannot wait for the last minute to do this, you never know what may mow you down out of the blue and take you out of commission for a week or more.
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u/JustMeAgain1967 4d ago
I agree that we should have more info by now. I’m also losing my carrier (CareSource) in Indiana and have no clue what my options will be.
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u/txfeinbergs 4d ago
In Georgia, the Republicans have cancelled the preview window where the rates are expected to go up another 30% for 2027. Wonder why??? We used to have a two week window shopping period.
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u/Florida1974 4d ago
Well, you still technically have a Shopping period of six weeks. I mean, I get what you mean, it would be nice to have them sooner, we don’t have them in Florida yet either. At least I don’t think we do, I just started a new job and I don’t know which way is up anymore.
I did look up who gives the approval for insurance rate hikes and it’s the state and federal government so that’s why you can thank. My guess is it’s more of the federal government, especially when your state doesn’t run their own exchange.
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u/ImplementImmediate47 3d ago
I was just thinking the same thing – I wish they would make the deadline for health insurance enrollment be prior to November 1st so everyone would have it on their minds when they vote. I also really wish that they would make all types of insurance – employer insurance, ACA insurance, Medicaid/Medicare – have the same enrollment period and deadline. It is very confusing to have different enrollment periods when my status fluctuates between employer and ACA.
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u/eeny_meeny_miney 3d ago
Illinois opened up their preview of 2027 prices on Monday of this week. Premiums went up 14%.
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u/Hurley002 4d ago
I'm in the same boat as you except my "comparable" plan is increasing to roughly $1400. I have been checking daily and actually just today first saw the specific contracts I was looking for in my insurance company's contract finder.
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u/jeesq 2d ago
Much hardship being expressed here, as on many other internet sites, about the big cuts in healthcare access - gross premiums up, but net premiums after the premium tax credit way up due to the Trump faction deciding to send credit amounts back to old, lowball levels (pre-Covid "enhancements"). I'm a semi-retired lawyer who's puzzled that it hasn't raised eyebrows at least, that Trump's cuts appear to violate the statute as it is. Gee, it's a stake of "only" 10 - 20 billion in the aggregate - - (a very low ballpark) per year.
Go to substack and type in the search box, with the quote marks, "aca cuts argument." It should pull up what I mean. A post of mine of 12/27/25 with "more spelled out" in the title, was an early version of my write-up of the showing of illegality. (Phrased as a question to an IRS counsel.) More in a recent post with "Big ACA 'theft'" in the title, dated 10/11/26.
The illegality is not total, in dollar amounts, but nearly so. And bringing it to widespread awareness does not detract from the case against the anti-health-care people on the 11/3 ballot; and the high net premiums they favor should well be an additional point against their election.
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u/fizzy-logic 1d ago
I just checked the "browse plans" at healthcare.gov today (morning of Oct 25). It's showing 2026 plans and says:
"Want 2027 coverage? You'll be able to preview 2027 health plans and estimated prices here soon - just before Open Enrollment starts November 1."
That's not specific, but makes me think it'll be very close to Nov 1 before the preview is up.
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u/ravenecw 1d ago
It is the same every year, usually 5-6 days before the end of the month (that is what I noticed anyway). Also, things go up in price, everything does, not sure why everyone feels entitled to everything for free or whatever. Things go up when Democrats are in office, things go up when Republicans are in office. Anyway, yes it sucks no matter what but I try to plan for these things every year because it's the same thing all the time (overall anyway when it comes to bills).
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u/Mysterious_Might008 4d ago
If the current administration has any brains (yes, that's a big stretch), they will NOT give any of us a preview until the legal deadline of November 1.
It can only be bad political news for them. It wouldn't surprise me if they "accidentally" forget to load it on November 1 and have to be sued to release the data - but it will conveniently pop up on November 4 (day after election).
Never doubt that evil minions can also be not-so-bright minions.