meta_pixel
Tapesearch Logo
Log in
Docs Outside The Box

ACA Premium Spike 2026: What Doctors, Residents & 1099 Physicians MUST Know. #473 Part 1

Docs Outside The Box

Dr. Nii Darko

Career, Education, Doctor, Medicine, Careers, Job, Business, Health & Fitness, Finance, Investing, Premed, Black, Money, Lifestyle, Mindset

4.9516 Ratings

🗓️ 8 December 2025

⏱️ 32 minutes

🧾️ Download transcript

Summary

SEND US A TEXT MESSAGE!!! Let Drs. Nii & Renee know what you think about the show! The Affordable Care Act marketplace is facing a massive premium spike in 2026 — and Congress is running out of time to stop it. In this episode of Docs Outside The Box, Dr. Nii and Dr. Renee break down exactly why ACA premiums are increasing, what happens if Congress does nothing, and how this will impact: Medical studentsResidents & fellowsEarly-career doctors1099 independent contractorsLocums physici...

Transcript

Click on a timestamp to play from that location

0:00.0

There are some subsidies out there that are helping a lot of Americans pay the premiums for their health insurance.

0:07.2

So the subsidies are going to go away.

0:09.2

The same plan starting January 1st that we have that we pay $1,400 for is going to be $1,700 a month.

0:15.3

Oh, my God.

0:16.4

Nothing changes at all.

0:17.5

No body parts grow additionally.

0:19.1

I might have to grow a new body part.

0:20.7

That'd be good with an extra arm. To some independent contractors, that's going to eat into their

0:24.8

profits. Oh, big time. You are really going to be forced to be doing business as a business.

0:30.8

If your costs are going up, you really have to see yourself more than just as, well, I'm the

0:35.7

doctor and I'm here to see patients, we're going to have to

0:37.8

really start interacting with these hospitals as a business. On top of that, policy matters.

0:44.0

You're going to be affected by this. Like, you cannot sit on the sidelines. And guess what?

0:47.7

When patients can't afford premiums, guess what they do? They go to the ED. What up, everybody?

0:52.5

This is Dr. Ney. I'm joined by my co-host.

0:56.0

Dr. Renee. Hope everybody's doing well. This is our first podcast after Thanksgiving.

1:02.9

We hosted Thanksgiving. It's busy, but it's a very important holiday for me and my family,

1:08.8

mainly because we don't get together too often, that's the one time

1:12.3

where we all as a family get together and have dinner, break bread. And it was great this year.

1:17.7

Yeah, it was. Great this year. My back was killing me. Yeah, you did a lot of cooking and I definitely

1:22.1

got to appreciate you for that. Big ups for you for doing the Duriapois, for doing, what was it, macaroni, out grante, everything out there for the most part was great. And you spent a lot of time working on it. I appreciate you for that, yeah. Thank you. Alfred, let's get a round of applause for her, you. Please, please. Well, you cleaned up the place. Actually, no, you did. What do mean? I didn't clean up. No, I mean before, remember all the stuff downstairs? Oh, yeah, yeah, yeah, yeah. Because, you know, like, family, like, we rarely stay in just one place. So I just wanted to make sure that it was comfortable for people to roam around and go to the basement.

2:01.2

Yeah. Go to the bedrooms. There's a lot of stuff in the basement. Yeah, we got to get rid of a lot of shit. Yeah. But that's not what we're here for. What are we here for? We hear, well, first of all, I want to thank everybody for tuning in on YouTube as well as on the audio experience. I just want to say I appreciate everyone. We got a lot of feedback from the previous episode.

...

Please login to see the full transcript.

Disclaimer: The podcast and artwork embedded on this page are from Dr. Nii Darko, and are the property of its owner and not affiliated with or endorsed by Tapesearch.

Generated transcripts are the property of Dr. Nii Darko and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.

Copyright © Tapesearch 2026.