My insurance premiums went up by about $100 a year this year. $876 in 2016, and $972 in 2017. I'm on a Silver HDHP / HSA plan. I've got a $1750 deductible this year, and a $4000 out-of-pocket maximum. In-network coinsurance is 80% of covered expenses (60% out of network) after the deductible is met. Preventative care and related medication tends to be cheaper and more heavily covered than other stuff. For instance, my generic Crestor and Lexaprol prescriptions together were $8 for a 30 day supply, but I've paid $40 or more for common antibiotics. My company also contributes cash to our HSAs twice a year -- I think last year it was like $600 total annually and this year it's more like $400. I've saved about $5k in my HSA so far even while still using it for my expenses to date. My goal is to have at least 2-3 times the out-of-pocket maximum in the account, so that if something bad happens one year, I'll still be safely covered for the following year.
So I've personally seen a similar rate of increase as some other customers this year. (I think the 2016 deductible was $1600 with a $3500 out-of-pocket maximum.) But, I make $85k a year now and I'm in good health. Barring major events, I should be able to save more than $20k this year (which is going to go towards expenses next year when I buy a new home), and that's not counting my regular pre- and post-tax retirement & HSA account contributions, which account for something like 15% of my gross income. In truth, in terms of absolute dollar values, the premium & coverage changes are hardly noticeable and barely affect my bottom line. When the ACA went into effect, our plans already met the minimum federal requirements, so not a lot changed at my company. I think they added some newer, cheaper options for hourly or low-salary employees.
curious as to why the impact post-ACA on insurance prices is so dramatically different from state to state. I know at least part was due to some Republican-controlled states refusing to accept federal dollars related to the Medicaid expansion. I've spent a little bit of time here and there pulling up articles without getting a complete picture.
Re: Social Security, here's a lengthy article from the agency itself on the solvency of the program:https://www.ssa.gov/policy/docs/ssb/v70n3/v70n3p111.html
In truth, it's not insolvent per se, but the rate of growth of costs will deplete the SS trust fund so that by 2035, payroll taxes / incoming cash flow will only be enough to cover about 75% of projected benefit payments. The program is certainly NOT failing, but it needs some adjustment to stay on track. Congress needs to get off their collective asses and make some decisions, but they lack the political will to take any responsibility for the program. It's easier just to complain about it.