Was this already posted? Mika B. got through to the ACA toll free # live at Morning Joe a couple

[mwooldri]

20. Unless you're working for a large corporation that self-insures its employees.

The only age discriminating factor with my employer's health coverage is when you get Medicare, and that's on the part of the employee... would it be better off to go Medicare plus a supplemental elsewhere... or pay both Medicare and employee contributions too.

The employee at 21 pays the same contributions as the employee at 64 - if they are on the same plan, live in the same state, and they both smoke or both don't smoke.

We get offered at least one basic plan and a premier plan (similar to bronze and gold on the exchanges - I guess). In some states employees get a choice of carrier too - generally where the most employees live.

But in the private sector - definitely age was and is used as a factor to determine rates. It might have been the case with smaller companies who don't have the luxury of self insuring its employees and having to purchase a group policy.