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Hoyt

(54,770 posts)
3. The one problem with some of these is they don't give a premium for your specific age.
Sun Nov 10, 2013, 07:48 PM
Nov 2013

A 51 year old pays more than a 50 year old, etc.

As someone pointed out to me, even the quick lookup on healthcare.gov only breaks it down into a couple of age ranges. So if you are say 60 and look at the plans that pop up, you will actually pay maybe as much as 30% more than what is displayed.

However, when I looked further, I was still surprised to find the rates were lower than I ever paid for a traditional Blue Cross Plan with an ever increasing deductible to minimize 20 to 30% annual premium increases.

So, this is not a criticism of ACA -- which I support over what we had before -- but the web sites aren't telling the whole truth.

It appears the HealthSerpa site does do it by actual age. Cool and useful.
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