Brief Age Rating Under Comprehensive Health Care Reform:
Implications for Coverage, Costs, and Household Financial Burdens
Linda J. Blumberg, Matthew Buettgens, Bowen Garrett
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Congressional proposals health care reform proposals have differed in the premium rating rules that would be applied to non-elderly adults. Some have proposed allowing premiums for the older adults to be as much as 5 times as high as those for younger adults (5:1 rating), while others would limit the highest premiums to be twice that of the lowest (2:1 rating). This analysis uses the Health Insurance Policy Simulation Model (HIPSM) to compare the financial implications of the premium rating choice (5:1, 2:1, and 1:1) for households of different ages, incomes, and sizes.
Research Areas Health and health care Taxes and budgets
Tags Health insurance Federal health care reform Health equity Private insurance Individual taxes Federal budget and economy
Policy Centers Health Policy Center