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Health Insurance  (Expert Forum)
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Premium increases
Answered by
Amir Mostafaie - health insurance, insurance
eHealthInsurance Gold River - CA
This forum is for questions and support regarding health insurance issues such as Medicare, Medicaid, Long-term health insurance, COBRA, insurance portability.

Premium increases

by crwstar, Oct 16, 2009 02:55PM
Hi - a quick question. Is it normal for premiums to raise when you reach 40 or 55, and if it is, does this happen for both men and women or just women?

Thank you ;-)

by Amir Mostafaie, Oct 26, 2009 01:05PM
To: crwstar
Dear crwstar,

Except for New York residents where they have community rating (which means everyone pays the same price regardless of age or gender), age is factored in to calculate the rates of Individual & Family health insurance plans. To include the age factor some carriers use 5 years age bands. In other words in addition to your annual rate increase on your health plan, every 5 years you may get another rate increase for moving into a higher age bracket.

This holds true for any gender.

Sincerely,

Amir Mostafaie
Member Comments (2)

by crwstar, Oct 26, 2009 02:17PM
To: Amir Mostafaie
Kind sir,

Thank you for responding, I appreiciate it.

Kind regards,
Crwstar
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