Use our Auto Buying Program to find your next car with the latest safety technology! Learn more.
AARP Public Policy Institute
by Jane Sung, Senior Strategic Policy Advisor
Protecting Affordable Health Insurance or Older Adults: The Affordable Care Act's Limit on Age Rating (PDF)
Protecting Affordable Health Insurance Premiums for Older Adults
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.
Find the public policy institute content you are looking for by entering in search terms below.
Sign up for alerts on the latest research, events and videos on policy issues.
A State Scorecard on Long-Term Services and Supports for Older Adults, People with Physical Disabilities, and Family Caregivers
By 2030, one out of every five people in the United State will be 65-plus. Will your community be ready?
You are leaving AARP.org and going to the website of our trusted provider. The provider’s terms, conditions and policies apply. Please return to AARP.org to learn more about other benefits.
Your email address is now confirmed.
You'll start receiving the latest news, benefits, events, and programs related to AARP's mission to empower people to choose how they live as they age.
You can also manage your communication preferences by updating your account at anytime. You will be asked to register or log in.
In the next 24 hours, you will receive an email to confirm your subscription to receive emails
related to AARP volunteering. Once you confirm that subscription, you will regularly
receive communications related to AARP volunteering. In the meantime, please feel free
to search for ways to make a difference in your community at