Not only did you get a little older, but your health insurance rates just went up too.
With individual health insurance rates are based on various factors and age is a primary. As consumers age, they typically use more health care services resulting in health insurance rates to increase.
How will you know if your rates go up?
The health insurance company will send you a notice by mail if your rates change.
Does this change with the reform of health care?
reform health care will limit the extent to which health insurance premiums can vary by age, also known as "adjusted community rating." Health insurers will still be able to charge individuals more depending on their age, but only in a limited amount.
states that "community rating" laws continue to offer additional coverage in this way. for example, New York has a law that requires health insurers to charge the same health insurance premiums regardless of gender, health status, occupation or age, so that this will continue irrespective of the health care reform rules health.
Is it a bad thing that health insurance rates increase with age?
many consumer advocates do not think Medicare rates should increase with age. But if individuals are charged the same premium regardless of age and young adults are forced to pay more for coverage when they are not using the services as well as older adults. From the perspective of older people, charging more young adults makes the most affordable health insurance for them. Unfortunately, there is not a clear scenario that is best for everyone.
0 Komentar