How to Keep the Same Protection as ACA Premiums Rise: Why Accident & Hospital Plans Are Your Safety Net

Nov 14, 2025

3 min read

Rising Premiums Don’t Necessarily Mean Losing Coverage

With ACA premiums increasing and enhanced tax credits set to expire after 2025, many Floridians are facing higher monthly costs. The typical initial response is:

“If premiums increase, I’ll have to opt for a cheaper plan — even if it comes with a substantial deductible.”

However, there is good news: You don’t have to lose your protection. You don’t need to downgrade your coverage. You can still safeguard your family — and save money — by combining your ACA plan with accident protection and hospital indemnity insurance.

This approach helps you maintain the same peace of mind you’ve enjoyed over the past few years, even as prices rise.

1. What’s Driving the Price Increases?

In recent years, enhanced federal tax credits have reduced ACA premiums for nearly everyone. These enhanced credits will expire at the end of 2025 unless renewed by Congress.

This means:

Higher monthly premiums
More individuals opting for higher-deductible plans
Increased out-of-pocket risks

When deductibles and maximum out-of-pocket limits rise, families often lose the financial protection they have come to rely on.

But you don’t have to.

2. How Accident & Hospital Protection Can Save You Money

As premiums rise, many individuals switch to lower-cost ACA plans that include:

Deductibles ranging from $6,000 to $9,000
Maximum out-of-pocket costs of $8,000–$10,000
Higher specialist copays
Increased ER and ambulance costs

This is where supplemental plans become invaluable:

Accident Protection

Provides cash directly to you following an accident. This can be used to cover:

The deductible
Your ER bill
X-rays, stitches, surgeries
Lost income from missed work
Any expense of your choice

Hospital Indemnity

Delivers cash for each day you’re hospitalized, plus benefits for:

Hospital admission
ICU
Surgeries
Outpatient procedures (depending on the plan)

You can use this money for:

Deductibles
Maximum out-of-pocket costs
Bills, rent, food, childcare
Lost income

These benefits are paid directly to you, not the hospital, giving you complete control.

3. How These Plans Help You Maintain the Same Protection

Let’s be candid — if your ACA premium increases by $100–$300 per month, you might think your only option is to downgrade your coverage.

But here’s a more strategic approach:

Instead of paying more for a low-deductible plan…

…you can switch to a more affordable plan and add accident + hospital protection.

The outcome?

Your total monthly cost remains lower, but your overall protection remains robust.

Example scenario (simplified):

Your Silver plan increases from $120/mo to $350/mo
You switch to a Bronze/Silver alternative for $190/mo
You add Accident + Hospital protection for $40–$60/mo

👉 You still save money overall 👉 And if an incident occurs, those supplemental plans help cover your deductible and out-of-pocket costs 👉 You’ve recreated the protection you had before — at a lower monthly cost

This is how families protect both their budget and their health.

4. Why This Strategy Is Effective

Premiums increase — but deductibles don’t have to overwhelm you.
Supplemental plans bridge the financial gaps.
Cash payments help you cover real-life expenses, not just medical bills.
You remain protected without paying for the most expensive plan.

Most importantly, this approach offers you choice. You don’t have to sacrifice benefits or hope you don’t get injured. You can create a protection system that saves money and covers risks.