Impact of Changing the Age Rating Limit for Health Insurance Premiums

Jane Sung, AARP Public Policy Institute

Olivia Dean, AARP Public Policy Institute

Published January 12, 2017

AARP Public Policy Institute released a research report from Milliman that modeled and analyzed the impact of changing the age rating limit for health insurance premiums from the current 3:1 ratio to a looser 5:1 ratio. The reports shows that changing the 3:1 limit on age rating to 5:1 would significantly raise premiums for older adults relative to younger adults, minimally impact overall enrollment, and increase federal spending.

Read the full report.

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