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I know many/most of you are aware of how bad this is, but I'm still gonna bitch here.
I lost my job as a result of the Trump administration's policies. While I had other options for health insurance (ex: COBRA), getting an ACA plan made the most sense to me at the time. It was shittier in comparison to what I had at my job (and what I would have retained access to via COBRA), but mostly comparable in the easy to measure ways (i.e. out of pocket costs and coverage of necessary meds) and cost much less than COBRA even without considering those tax credits / subsidies.
Honestly, it was so much work just to figure out which plan made the most sense, I had no idea I needed to check to see if there was a ticking time bomb ready to go off. The new 2026 rates are so much higher with poorer coverage and higher out of pocket expense -- worse in pretty much every way you could think. While I may still opt for one of the low tier plans that's basically catastrophic only + the minimum required coverage, at that price point and for what it provides, I'm sure a lot of people will go without even if they technically could afford the premiums. I know I'm still weighing my options, but it does feel like they took my job then took my access to health care, what next?
COBRA is not a reasonable option for anyone who has just lost their job. It's fucking insulting.
No shit got that offer after being laid off. Fucking 700 a month, was only getting 1000 in unemployment a month. How the fuck could pay 700 for Cobra.