Becker’s Healthcare Podcast ACA Rate Hikes, Payer Losses, and UnitedHealth’s Expanding Empire with Jakob Emerson
Jul 25, 2025
Jakob Emerson, Associate News Director at Becker’s Healthcare, dives into the shifting landscape of health insurance. He discusses the upcoming ACA premium hikes and how they will impact enrollments and uninsured rates. Emerson also explains the complexities of UnitedHealth's corporate structure and its aggressive growth strategy. The conversation touches on emerging challenges for insurers, including rising drug costs, medical professional shortages, and the influence of government policies on private insurance markets.
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ACA Premium Hikes for 2025
- ACA premium proposals for 2025 show the largest increases since 2018, with some exceeding 20-25%.
- These hikes stem largely from expiring enhanced subsidies and healthier members leaving the market, driving up costs.
UnitedHealth's Vast Subsidiaries
- UnitedHealth Group consists of over 2,700 subsidiaries including many outside healthcare and the U.S.
- This vast diversification highlights their growth strategy beyond traditional insurance.
Oscar Health's ACA Market Exposure
- Oscar Health is highly exposed to ACA market shifts and expects over $200 million losses this year.
- Rapidly changing ACA environment is causing major insurers to revise earnings and guidance downward.