Frequently Asked QuestionsAffordability and Cost

1. Does the health care law lower health care costs or premiums?

2. As a young healthy adult, will my premiums be lower after the law is implemented?

1. Does the health care law lower health care costs or premiums?
The new health care law will expand access to coverage and broaden insurance benefits. While these new laws increase benefits and reduce costs for some (especially those who receive a subsidy), others may find they have substantially higher premiums.

2. As a young healthy adult, will my premiums be lower after the law is implemented?
The health care law says that an insurance company cannot set the premium for an older adult at a cost that is more than three times higher than the premium it charges a young adult. In other words, the ratio of the older person’s premium to the young adult’s premium is 3:1. Some health care policy experts say the lowest workable ratio is 5:1. According to research by actuarial consultants Oliver Wyman, this provision probably will increase premiums for young adults.