Analysis: Premiums are least affordable for older adults who do not qualify for federal subsidies, especially in rural areas.
We analyze the impact of the repeal of the individual mandate penalty and the expansion of loosely-regulated plans.
Short-term plans can charge premiums that are 54 percent lower by:
- Excluding coverage of pre-existing conditions or denying insurance altogether to people with such conditions.
- Limiting or not covering benefits such as prescription drugs, maternity care, mental health and substance use treatment.
Use this tool to estimate what your premiums and tax credits for 2019 Affordable Care Act marketplace coverage could be based on your zip code, income, family size and age.