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How do premiums vary by age and health status?

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How do premiums vary by age and health status?

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Under the status quo, people buying coverage on their own generally face medical underwriting, meaning that they can be turned down for coverage or charged a higher premium based on their health status. That is prohibited under the reform law. Premiums today also vary by the age of the policy holder, with the premium for a single 64 year old typically being five times or more the premium for a 19 year old. For families the variation in premiums by age is generally less pronounced.

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