The Obama administration said, "The Affordable Care Act will be tens of millions of Americans to provide cheap health insurance. However, some people, especially young men who are not insured through their employer, can see their premiums go up, once covering the state-based insurance exchanges beginning in January. Many groups are forecast to be what was happening premiums, on average, next year's report. But what exactly will be on the individual market insurance payment, depends on many factors. They include the insured person's income, age, gender, current coverage level and state of residence. "Generally not very related to any particular person, said:" Jim O'Connor, major consulting firm Milliman, who wrote a report on how to "Obamacare's" will affect the premiums. The exact cost of the program may not know until the summer at the earliest - may be open until October Admission exchanges. Insurance companies have submitted their proposals, government officials, regulators are now reviewing them. But it is for each state to determine when to release the details of the scheme. The next year, very few insurance companies to disclose their personal plan of the market price, but several warned that they are likely to rise sharply. For example, in Maryland, the Blue Cross, the premium may go up 25%. Attendees will have the opportunity to rebound from several different insurance companies offer a variety of plans. They range from "bronze" premium low, but higher out-of-pocket cost plan, platinum plans, higher premiums, but involves more expenses. A key requirement is that with pre-existing conditions can not be excluded or charged more for coverage. Until now, many cancer survivors, patients with heart attack and other diseases found it difficult to get insurance. New rules for those who are already sick, because they can now get a more affordable plan is great, but it is likely to make things more expensive health insurance for people who improve the overall insurance costs. Here is what may affect the cost of your coverage. This fault is only for those who buy through the exchange of individual market plan does not apply to those with employer-sponsored schemes. Income: the top of next year one of the factors of how much you will pay your income. This is because the subsidy is available to those whose income is 400% of the poverty line - about $ 45,000 a person or a family of four $ 92,000. Will receive approximately 57% of the insurance subsidies, these subsidies will cover nearly two-thirds of the premium, on average, according to the Congressional Budget Office estimates. Age: older Americans tend to be sicker, you may see their premiums go down, because they will be mixed into a risk pool, young, healthy people. Obamacare limit for the young participants, insurance companies can charge older insured three times the amount charged. Can often see the old guy now receive five times their younger counterparts. "The young people will have those who are elderly, in order to offset the cost, said:" America's Health Insurance Plans, the insurance company lobby group spokesman Robert Zirkelbach. Gender: insurance companies can charge premiums based on gender. Men are usually paid less than women, who are typically less to see a doctor. Affordable Care Act, however, does not allow insurance companies to charge different rates to men and women. In summary, men ages 25-36 can see that the increase in interest rates greater than 50%, according to Matilda O'Connor, but the women of the same age will only see their premiums rose 4%. Same time, men aged 60 to 64, you can see their premiums drop by 12%. Coverage levels: no health insurance will cover the costs go up, of course, because they are paying any fees. And those with a high deductible plans or catastrophic coverage, paid only major illness or hospitalization, may see their premiums go up. The supporters of the law point pointed out that the monthly premiums are likely to rise, these premium for a more comprehensive overall coverage. This means that those who actually use medical services can save overall money, thanks to pocket cost reduction. In the ACA, insurance companies must provide a set of "fundamental interests", including maternal health, mental health and substance. In addition, even if the insured pick the cheapest plan, they will not cover more than 40%, on average, the cost of their services. They also will not be subject to annual or lifetime coverage limits. Larry Levitt, senior vice president of the Kaiser Family Foundation, "If the disease strikes, they will pay less pocket, said:". Country of residence: Some states require Obamacare for the resident individual market coverage costs, raise some of the same protection. These include Maine, Massachusetts, New York, New Jersey and Vermont. Premiums can go in these countries, because younger, healthier people are likely to enter the market. At this point, everyone - including insurance companies - just guessing what the premium should be. This makes the next year a huge experiment. Young, healthy people to buy insurance, or they will skip it, just pay a fine? Speed ??may be cheaper next year, a fine of $ 95 for adults - the exchange of any personal plans.


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