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 …

Shingles Vaccine May Be out of Reach for Some Medicare Beneficiaries

Introduction to Shingles Shingles is a viral infection that causes a painful skin rash. It is caused by the varicella-zoster virus — the same virus that causes chicken pox. Once people recover from chicken pox, the virus remains in their body in an inactive state. In some people, it stays dormant; in others, the virus reactivates and causes shingles. The condition is most common in older adults and people with weakened immune systems. The most common complication of shingles is …

Covering Low-Income Midlife Adults Through Medicaid: Making Progress, but More States Need to Take the Plunge

The Affordable Care Act — as interpreted by the U.S. Supreme Court — gives states the option to expand Medicaid. Access to Medicaid significantly reduces the number of uninsured in this country. Since the expansion began, millions of individuals are receiving coverage through Medicaid or the Children’s Health Insurance Program. Yet, 19 states have not expanded Medicaid coverage, potentially leaving almost 2 million low-income midlife adults (ages 45-64) without access to insurance coverage. Being uninsured is especially hard on adults …