Dear Members of Congress: Please eliminate age rating for health insurance premiums in health care reform efforts. I commend you for trying to end the practice of denying Americans health coverage based on pre-existing medical conditions or charging people higher premiums because of health status. However, I am concerned that proposals allowing health insurance companies to charge older patients up to 5 times more than younger adults solely based on age (the 5:1 rating rules) will leave many older Americans in the same boat they are in now: without access to affordable, comprehensive coverage. If the lowest cost benefit runs $200 per month (a modest estimate), this means I could be charged up to $1000 per month for health insurance based solely upon my age. This discrimination is unacceptable, and I will not stand for it. Two in three adults ages 50-64 in the individual insurance market spend 10 percent or more of their income on health care. As Americans age, as we all hope to do, we are more likely to experience chronic conditions such as heart disease, cancer, stroke, and diabetes. Because age is strongly associated with health status, age rating allows a process to remain where people who need more care, are most likely to have pre-existing conditions, and who have limited income potential are still paying more for the same coverage. It makes little sense to prevent insurance rating based upon health status and then turn around and implement new rules that will have the same effect. I strongly urge you to eliminate provisions allowing age rating, and instead provide Americans with a true community rating, a stop loss benefit and broader eligibility for subsidies in order to ensure that health care reform results in truly comprehensive and affordable coverage for older Americans. Sincerely,


OWL - The Voice of Midlife and Older Women Alliance for Retired Americans AFSCME Retirees Center for Medicare Advocacy B'nai B'rith International NCCNHR: National Consumer Voice for Quality Long Term Care National Senior Corps. Association National Assoc. of Nutrition and Aging Services Programs National Senior Citizens Law Center Medicare Rights Center



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    Angela Arden, United States

    3 years ago Comments: -
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    Rose Borja, United States

    6 years ago Comments: I am 61 years old. I am worried about my health coverage as I get older. I am applaude at the insurance companies discriminating base on age and pre-exisiting medical. Also, learned insurance companies will discriminate against women who have experienced domestic violence, as they will continue medical treatment and experience violence. Horrible - horrible news
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    Kay A. Anderson, United States

    6 years ago Comments: I am appalled to learn of this! It would certainly be no improvement over my current insurance, which does not cover either hearing, glasses, or dentistry. Please stop this destructive legislation at once!
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