“the idea creates a situation where older Americans as well as also people with pre-existing conditions are left inside the ACA marketplace, as well as also in which could make their premiums go up,” said Megan O’Reilly, director of AARP’s federal health as well as also family team.
Basically, if healthy people flock to these short-term policies, consumers covered by ACA-compliant plans could likely watch their premiums rise because the remaining pool of people could be more expensive for insurers to cover.
The Urban Institute estimates in which the proposed rule, in combination with the elimination of a fine for not having health coverage, could increase premiums by an average of 16.4 percent in 2019, although the idea could be 20 percent or 21 percent in some states.
AARP, the nation’s largest advocate for older Americans, used 2018 marketplace premiums to calculate what in which could mean for 60-year-olds who buy a silver plan — the second-lowest cost option — through an ACA exchange. Under in which scenario, the average yearly premium increase could be $2,000, although the range could be about $1,000 to $4,000, depending on the state.