The six ways Obamacare changes insurance premiums

Perhaps it's worth simplifying this discussion about premiums under Obamacare a bit. This whole conversation is about the individual insurance exchanges, which effectively replace today's individual market (and have nothing to do with the insurance offered by Medicare, Medicaid, or employers). If all goes well, a bit less than 10 percent of the population will get insurance through these exchanges by 2023. In 2014, however, only about 2.5 percent are expected to be in the exchanges. So what happens when you turn the individual market into the exchanges? A few things, mainly: – No more raising prices or refusing to offer insurance to sick people; – Less price discrimination allowed against old people;