As Affordable Care Act critics have charged, unsubsidized health insurance premiums in the individual market did indeed rise substantially in 2014, when the primary health insurance reform provisions of the Affordable Care Act took effect, according to health insurance research organization HealthPocket.
HealthPocket, which operates a website that compares health insurance premiums, compared average health insurance premiums in the ACA health insurance marketplaces and outside of the marketplaces to the averages found in the pre-reform market in the two largest metropolitan regions in each state.
The results: average premiums increased 78 percent for 23-year-old men in the 2014 market; 23-year-old women saw average premiums increase nearly 45 percent; 30-year-old premiums for men increased 73 percent and 35 percent for women and average premiums for 63-year-old women were 37.5 percent higher while the increase for 63-year-old men was 22.7 percent. All results were for nonsmokers.
However, Kev Coleman, head of research and data at HealthPocket said in a release, “This increase in average premium must be viewed in light of the fact that under the Affordable Care Act some people receive subsidies and others do not face a premium rate-up or rejection due to an expensive pre-existing condition.”
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