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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. 


Long-Term Services & Supports State Scorecard

A State Scorecard on Long-Term Services and Supports for Older Adults, People with Physical Disabilities, and Family Caregivers


Aging Demographics

One in Three Americans is Now 50 or Older

By 2030, one out of every five people in the United State will be 65-plus. Will your community be ready?

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