{"id":4637,"date":"2025-11-11T17:36:24","date_gmt":"2025-11-11T17:36:24","guid":{"rendered":"https:\/\/telyrx.com\/blog\/?p=4637"},"modified":"2026-04-03T17:30:07","modified_gmt":"2026-04-03T17:30:07","slug":"health-insurance-get-114-more-expensive","status":"publish","type":"post","link":"https:\/\/telyrx.com\/blog\/news-press\/news\/health-insurance-get-114-more-expensive\/","title":{"rendered":"Health Insurance Costs Have More Than Doubled: Here’s Your Path Forward"},"content":{"rendered":"\n
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Here’s your path forward.<\/figcaption><\/figure>\n\n\n\n

Twenty-four million Americans<\/span><\/a> have lost access to affordable healthcare, not because of a change in circumstance, but because the system is pricing them out entirely. For many, this open enrollment period is no longer about choosing between plans. It\u2019s about choosing between survival and surrender.\u00a0\u00a0Maybe you\u2019ve already felt it: that stomach-drop moment when you logged into your benefits portal and saw the numbers for 2026. The premium you could barely afford last year has more than doubled. Copays for office visits and essential medications are now beyond reach. Or the deductible is so high that you’ll be paying out-of-pocket for everything anyway. You double-check the numbers, hoping it’s a mistake. It’s not.\u00a0If you’re feeling overwhelmed, frustrated, or downright scared, those feelings are valid, and you\u2019re definitely not alone. Millions of Americans are trying to reconcile the same impossible math. And while we can’t fix a broken healthcare system, we can help you understand your options so you can make the best decision for you and your family. \u00a0Here’s what’s actually happening\u2014and more importantly, what you can do about it right now.\u00a0<\/span><\/p><\/p>\n\n\n\n

Twenty-four million Americans are now facing a healthcare affordability crisis<\/span><\/span>. This expiration<\/span> represents a legislative<\/span> cliff that would <\/span><\/span>more than double<\/span><\/span><\/a> monthly healthcare premiums\u2014an average 114% increase for the exact same coverage.<\/span>\u00a0<\/span><\/p>\n\n\n\n

\u00a0<\/span>Base premiums have risen 26%, driven by skyrocketing hospital costs and expensive new medications. And with the government shutdown revolving around the subsidy debate, there’s chaos during open enrollment when what people need most is clarity. The entire healthcare system feels like it’s shifting beneath our feet.\u00a0\u00a0<\/span>So, what\u2019s the best thing to do when systems feel like they\u2019re collapsing all around you?\u00a0 Take control of what you can.\u00a0<\/span><\/p><\/p>\n\n\n\n

While the headlines are focused on what might happen in Washington, let\u2019s talk about what you can do right now. Here are some practical solutions that can help bridge the various coverage gaps and keep you and your family safe. <\/span> <\/span><\/p>

Before exploring paid alternatives, check to see if you qualify for Medicaid or CHIP (Children’s Health Insurance Program). These programs offer free or low-cost comprehensive coverage, and income thresholds vary significantly by state. Don’t automatically assume you won’t qualify without applying\u2014many people are surprised to learn they’re eligible. Visit <\/span>Healthcare.gov<\/span><\/a> or <\/span>Medicaid.gov<\/span><\/a> to check your eligibility. The application process will take some time, but if you’re eligible, it’s comprehensive coverage at little to no cost.<\/span> <\/span><\/p>

If government programs aren’t an option, catastrophic coverage is something to consider. This may be the very definition of being between a rock and a hard place, but if you find yourself unable to afford traditional coverage, a <\/span>catastrophic policy<\/span><\/a> offers protection against worst-case scenarios. <\/span><\/p>

These plans typically have low monthly premiums paired with very high deductibles (typically $8,000 or more). This protects you from medical bankruptcy if something truly catastrophic happens, but it won’t help with routine care or prescription medication costs until that massive deductible is reached.<\/span> <\/span><\/p>

And this is exactly where most people get stuck. They need prescriptions to manage chronic or acute conditions but have no way to access or afford them.<\/span> <\/span><\/p><\/p>\n\n\n\n

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A man getting a new prescription through TelyRx.<\/figcaption><\/figure>\n\n\n

This is where we come in. If you’re facing a coverage gap, can’t afford your copays, or have been priced out of the system entirely, TelyRx offers a straightforward alternative.<\/span>\u00a0<\/span><\/p>\n

Here’s how it works<\/a>: You pay a flat $22 doctor review fee to connect with a board-certified physician licensed in your state, and this fee remains fixed whether you need one prescription or several. No surprise charges, no out-of-network restrictions, no prior authorizations, and no coverage denials. <\/span><\/p>\n

Our licensed pharmacies dispense only FDA-approved medications, and our platform displays transparent, upfront pricing so you know exactly what each medication will cost before you request it. Once prescribed, your medications are delivered conveniently to your door.<\/span>\u00a0<\/span><\/p>\n

TelyRx is a perfect solution for several common situations:<\/span>\u00a0<\/span><\/p>\n