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Charging Older Adults Higher Premiums Could Cost Taxpayers

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Under the ACA, older people cannot be charged more than three times as much as 21-to-24-year-olds for the same health plan. Several recent congressional proposals, however, would allow insurers to charge older adults up to five times as much as younger adults. In the second blog post of a Commonwealth Fund series analyzing proposed changes to the health care law, Christine Eibner and Evan Saltzman of the RAND Corporation discuss the potential effects of relaxing the ACA’s rate bands on health plans sold in the insurance marketplaces and the individual market.

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