HHS Standard Age Curve

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Beginning in 2014, ACA-compliant small group plans are limited to 3 to 1 age bands. A 21-year-old’s rate is set at 1.000, and all other employees and dependents are charged based on a factor of that rate. The standard age curve applies to the individual market as well.

HHS issued guidance on February 25, 2013 in which the age curve was published.

HHS Standard Age Curve

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