‘Age Rating’ Is Washington-Speak for Overcharging Older Americans

If you have a hard time understanding what the wonks in Washington are talking about, welcome to the club. Beltway buzzwords are at dime a dozen on Capitol Hill, but there’s one particular term to watch out for that simply means massive health care premium hikes for older Americans. “Age rating” is the practice of varying health insurance premiums based on age. It’s Washington-speak for overcharging older Americans by thousands of dollars for their health care. >> Ge the news …

New Uptick in Government Scams Post-Election

Donald Trump won’t be the only one to shake things up. With a new president in the White House, scammers have fresh and convincing opportunities to take aim. Some schemes related to Trump policy and promises that you should expect, especially in coming weeks: Grant scams. Whenever there’s a change in government leadership, there’s an increase in government aid scams. Reports to our Fraud Watch Network Helpline (877-908-3360 toll-free) have increased noticeably since the Nov. 8 election, says Amy Nofziger of AARP …

Protecting Affordable Health Insurance Premiums for Older Adults

The Affordable Care Act (ACA) established a 3-to-1 limit on age rating of health insurance premiums, meaning that older adults 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 important provision protects consumers by limiting the amount health insurance companies can charge people based on their age. Recently, some have called for weakening or eliminating the ACA’s limit on age rating, which would …

The Ban on Preexisting Condition Exclusions Helps Older Adults

Most Americans get their health insurance through their employer or through government-sponsored programs like Medicare or Medicaid. People who do not have access to those forms of coverage — for instance, because they are between jobs or are self-employed — typically buy health insurance directly from private insurers on the individual market. Since 2014, the Affordable Care Act (ACA) has provided a critical protection for individuals who seek insurance in this market: It bans insurance companies from considering people’s health …

New Rules on Workplace Wellness Programs Make Employees Pay for Privacy

You might soon be paying more for your insurance than some of your coworkers if you are unwilling to share your medical information with your employer, according to rules released May 16 by the Equal Employment Opportunity Commission (EEOC). The new rules allow employers to charge employees a penalty equal to 30 percent of the total employer-employee cost of employee-only health insurance unless they divulge their health data to their employer’s workplace wellness program. Spouses can also be charged another …

AARP Opposes Employer Invasion of Medical Privacy

UPDATE (5/16/2016): AARP is deeply disappointed with the new EEOC rules on workplace wellness programs. Read our press release. ***** With election season in full force, much of the work inside Washington is flying under the radar. While Congress remains deeply divided, there continues to be action on the regulatory front. One such development should be a real attention grabber: a proposed Obama administration rule that would allow an employer’s workplace wellness program to require you and your family to …