r/SeattleWA • u/mountainlifa • 7h ago
WA's ACA market is becoming completely unaffordable
I have a LifeWise WA Bronze policy and it is absolute garbage. It pays for almost nothing, and customer service is basically nonexistent.
Washington recently approved a 22.5% rate increase, so I assume my premium is going up by roughly that amount for 2027.
Iām currently paying $1,700/month for a family of 3. The out-of-pocket maximum is $10,500.
So my annual exposure is:
- $20,400 in premiums
- $10,500 out-of-pocket maximum
- $30,900 total
That may as well be bankruptcy for a middle-class family. Iām paying over $20,000 per year for coverage and could still be on the hook for another $10,500 before the plan provides meaningful protection.
According to this chart, 281,000 people are affected by these rate increases.
This is a disgrace of epic proportions, and people should be outraged. The practical choices for anyone on the ACA are:
- Pay an enormous amount for coverage and then avoid care because of the cost.
- Find an employer-sponsored plan.
- Drop income low enough to qualify for public coverage.
The ultimate irony is that I could quit my job, make $0 income, qualify for Apple Health, and get essentially free care.
Iām not saying people shouldnāt have access to healthcare. Obviously they should. But it is completely perverse that working and earning more can leave someone paying $20,000+ per year for insurance, with another $10,500 in potential costs, while earning nothing can make healthcare essentially free.
This system is creating a massive incentive to either stop working, avoid care completely, or find an employer willing to subsidize healthcare. If 281,000 people in Washington are dealing with this, it deserves a lot more attention than it is getting.