Without Subsidies, Higher Premiums Under the ACA

Effective 2014, the Affordable Care Act (ACA) required premiums for the same health plan to vary only on an applicant’s age, smoking status, geographic location, and number of people being covered. Applicants could not be rejected due to health status and premiums could not be ‘rated-up’ (i.e. increased) over the standard level for persons sharing the same age, smoking status, and region. One of the questions raised by the ACA is whether women and men as well as the old and young experienced similar changes to their health insurance premiums due to the law.

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