Cost is the top concern for many clients inquiring about the impact of the Affordable Care Act (ACA). In some states, health insurance premiums are rising, while others are experiencing a reduction.

Several factors create this cost disparity, as reviewed by Chris Hennessey in the video. The ACA may cause higher or lower premiums depending upon:

  • If the state was already highly regulated prior to the passage of ACA
  • The size and age of state population
  • The level of competition that exists on the state’s health-insurance exchange


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