Subject: Re: Perspective on ACA Subsidies
When talking about "premiums" going up, to really put the numbers in context for a particular situation, we need at least the following:

1. The full non-subsidized cost of the same health insurance plan last year vs. this year.
2. Family Size last year/this year.
3. MAGI last year/this year (e.g. if you got a pay increase that put you over the 400% subsidy cliff, which is coming back in 2026, then yeah what you pay is likely increasing by a lot.)
4. Premium credits received last vs. this year.
5. What percentage of the premium credit you received last year were enhanced Biden Covid era credits, and what percentage or amount were the normal ACA credits,without the Biden era enhancements.
6. Age of oldest household member last year vs. this year.
7. Any changes in medical condition of you or family member which may impact the premium level.
8. Genders.
9. Smoker vs. non-smoker

There may be other factors but just giving a number with no context isn't very helpful.

I do know that my wife's employer-provided health insurance is going up 26% which is similar to the industry wide increases but she only pays 20% of the entire premium as part of her job benefits.