Does manated age-rated insurance violate civil rights laws?
I don't know if anyone has ever tried to sue private insurance companies over this. That age discrimination is forced on us by the government that is supposed to enforce civil rights laws is a whole 'nother level of outragreousness, though.
7. The mandate is not that it costs 3 times as much but that
it can't be more than 3 times as much. Currently there are no limits and it is often 10 times as much or more. In CA it is 9 times as much.
Charging more with age would not be a civil rights issue since it is a higher risk/cost group. Of course we are requiring them not to charge more for preexisting conditions, also higher risk/cost so they could require no higher cost due to age. But that would shoot the cost up for the younger buyers too...
I suspect one of the first changes will be letting older Americans buy into medicare which will be an all around benefit. Older people just above subsidy levels will definitely have trouble affording the insurance. They'll get waivers and will be left in the same status- with no insurance. Those getting subsidies will cost the taxpayers a lot...the difference between what they are expected to pay and the high premiums will be big. Since their average cost for care is often more than 3 times lowest rate the difference will cost everyone on the exchange.
8. So fucking what if we are higher cost? Ever heard of the concept of shared risk?
NO developed country has age rating. It is considered wrong to charge women more because of reproductive health and wrong to charge minorities more because they are sicker. Why should age be different?
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