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Protecting Affordable Health Insurance for Older Adults: The Affordable Care Act’s Limit on Age Rating

The Affordable Care Act (ACA) established a 3:1 limit on age rating of health insurance premiums, meaning that older adults (ages 50-64 who are not yet eligible for Medicare) who purchase coverage on their own cannot be charged more than three times the amount a younger person is charged for the same health plan. This limit on age-related premiums is part of the ACA’s reforms that protect older consumers from discriminatory insurance company practices.  This fact sheet from the AARP Public Policy Institute examines this important consumer protection and the potential impact of policy changes that weaken or eliminate this limit.