premiums

A late-breaking attempt to repeal and replace the Affordable Care Act (ACA) threatens to weaken critical federal consumer protections and raise costs for older Americans ages 50-64 who purchase health insurance coverage in the individual market. Tucked into the sweeping legislation known as the…
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The just-released Senate bill, the Better Care Reconciliation Act (BCRA), is very bad news for older adults. The bill would reduce financial assistance (premium tax credits and cost-sharing subsidies) and change rules on how much premiums can vary by age (age rating). As a result, people ages 50 to…
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The American Health Care Act (AHCA), H.R.1628, allows states to create high-risk pools for people with preexisting health conditions under certain circumstances. High-risk pools are supposed to provide access to health insurance for people who cannot get coverage in the individual (non-group)…
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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…
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You better shop around.
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AARP encourages Americans to review their health insurance options during the Affordable Care Act (ACA) open enrollment period that started Sunday. Open enrollment (from Nov. 1 to Jan. 31) is an important opportunity for consumers to find a plan that could save them more money, offer better…
long-term care insurance
One of the most frequent questions I get from clients is whether to buy long-term care insurance. With the average cost of a private room in care facilities topping $94,000 a year, according to a 2013 study by insurer  John Hancock, it’s a reasonable concern. Many of us will need some form of…
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The Affordable Care Act allows states to offer Medicaid to low-income adults who would not have qualified under previous law. Twenty-eight states and the District of Columbia offer this expanded coverage. Those who qualify will face higher cost-sharing requirements when they transition from…
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Boomers retiring without dental benefits, and Medicare recipients who don’t have a Medicare Advantage plan, may be surprised and dismayed by the latest study on the cost of dental coverage.
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By Jay Hancock, Kaiser Health News
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