Frequently Asked Questions
Starting on January 1 of 2014, insurance company will not be able to charge higher rates to people within the same age group based on their gender or health status – said another way, you can't be charged a higher price for health insurance because you're a woman, or because you have a health condition.
And, if you buy your own health insurance, your application for coverage cannot be declined because you have a pre-existing condition, or for any other health related reason – beginning in 2014.
And, insurers will only be able to price plans based on four factors:
1. Your age – the oldest person can only be charged three times more than the youngest person for the same plan.
2. Where you live – the price to deliver care changes from city to city and state to state
3. The size of your family
4. And your tobacco use – a smoker can be charged up to 50% more for the same plan as a non-smoker.