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The Age Rating Game: Will Older Americans Pay More Under Health Reform?
The Health Care Blog

The Affordable Care Act leaves it to the states to decide whether they want to let insurers charge older Americans more for coverage. If a state takes no action, a 64-year-old buying his own insurance in the individual market will pay up to three times more than an 18-year-old. In the small-group market – if a small business employs an unusually large number of older workers – the same 3:1 ratio applies. Today, in most states, there are no caps on how much insurers can charge a 60-something forced to purchase his own insurance.

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