
the open enrollment period for health insurance in various states in the United States officially began, during which residents can purchase or change personal health insurance. Taking Massachusetts as an example, the premium in 2025 will increase by an average of about 12% compared with 2024. This is mainly affected by factors such as rising prescription drug costs, hospital market consolidation, labor shortages and inflation.
Suggestions for coping with rising premiums:
Compare different plans: During the open enrollment period, carefully compare the premiums, coverage and deductibles of various insurance plans to choose the plan that best suits your and your family's needs.
Take advantage of tax credits: Depending on your income level, you may be eligible for premium tax credits to reduce your monthly premium costs.
Consult a professional: If you are confused about choosing a suitable insurance plan, it is recommended to consult an insurance agent.
Notes:
Open enrollment period: Usually starts on November 1 and lasts until December 15. Insurance plans registered during this period will take effect on January 1 of the following year.
Act in time: Compare and select insurance plans as early as possible, and make sure to complete the registration before the deadline to avoid any interruption of health insurance coverage.
By proactively preparing for premium increases, you can find a health insurance plan that fits your needs and budget and ensure you have the necessary medical coverage in 2025.
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