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Your health insurance premium is based on many factors, including your age, zip code and type of coverage. Under the Affordable Care Act, although there are no medical questions, premiums can increase each year (and will) since many more claims may be paid out by insurers.
However, your federal subsidy may reduce your premium, if you qualify.
Rates can go up because of claims in your area, or the insurer's perception that those claims will be increasing in number or size. Many people qualify for subsidized premiums under the Affordable care Act. Check out www.healthcare.gov or call them at 1-800-318-2596.
Although some areas have seen rates increase, nationwide we are in the fourth year of the lowest health insurance premium increases in 50 years. This reduction in increase is attributable to the Affordable Care act. Most specifically because many people who were previously un-insured will now be paying into the system, instead of having their cost of care shifted to those who do have insurance.
I suggest a High Deductible Health Plan with a Health Savings Account. It can help you out on premiums when you are healthy and you set a little aside every year for when you do have an unfortunate medical event.
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However, your federal subsidy may reduce your premium, if you qualify.
Although some areas have seen rates increase, nationwide we are in the fourth year of the lowest health insurance premium increases in 50 years. This reduction in increase is attributable to the Affordable Care act. Most specifically because many people who were previously un-insured will now be paying into the system, instead of having their cost of care shifted to those who do have insurance.
I suggest a High Deductible Health Plan with a Health Savings Account. It can help you out on premiums when you are healthy and you set a little aside every year for when you do have an unfortunate medical event.