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Charging Older Adults Higher Premiums Could Cost Taxpayers
The Commonwealth Fund Link to more items from this source
Sept. 16, 2015

"Several recent proposals would allow insurers to charge older adults up to five times as much as younger adults (5-to-1 rate banding) ... [The authors] analyzed the effects of relaxing the ACA's rate bands from 3-to-1 to 5-to-1 while leaving other ACA provisions in place. [They] focused on marketplace plans and other ACA-compliant health plans in the individual market, and excluded plans offered by employers (which are regulated differently). We found that while more -- mostly younger -- people would become insured under 5-to-1 rate banding, federal health spending would increase and 400,000 older people, who tend to have more health problems, would lose coverage."

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