New Congressional bill HR 708 allows health insurers to charge older Americans 5x more

Did you know that at present, Obamacare makes it legal for insurers to charge older Americans a health insurance premium that’s three times more than what younger Americans pay?

That, of course, is tantamount to an age health tax.

To make matters worse, a new bill in Congress means to actually INCREASE it to as much as 5 times or more. 

The bill is H.R. 708: State Age Rating Flexibility Act of 2017, the purpose of which is to amend title XXVII of the Public Health Service Act to increase the permissible age variation based on age for health insurance premiums for coverage offered in the individual or small group market from a factor of three to a factor of five, or to a factor determined by the state.

To top it off, this age-discriminatory bill was introduced by a Republican! — Rep. Larry Bucshon (R-Indiana). At present, there are no co-sponsors. On January 27, 2017, H.R. 708 was referred to the House Committee on Energy and Commerce.


Casey Dowd reports for Fox News, Feb. 16, 2017, that AARP Senior Vice President Joyce Rogers lashed out against H.R. 708 in a letter to the Chairman and Ranking member of the U.S. House of Representatives Committee on Energy and Commerce Health Subcommittee. AARP Executive Vice President Nancy LeaMond told FOX Business:

“This legislation has a simple explanation — it would be an age tax — charging older Americans not yet eligible for Medicare a penalty of five times what others must pay for health insurance. The term ‘age rating’ is Washington-speak for overcharging older Americans by thousands of dollars for their health care.”

According to a new study from AARP’s Public Policy Institute conducted by the independent actuarial firm Milliman, if H.R. 708 is passed, on average, adults age 60 and older would see their insurance bills go up by $3,200 — making their average annual premium a whopping $17,900.

LeaMond said:

“Seniors already spend one out of every six dollars on healthcare—they can’t afford to spend more.

A typical senior without insurance in the individual market has a median income of only $20,000.  Asking moderate and middle income older Americans to pay over $3,000 more out of pocket for insurance will put a major squeeze on other necessities.  And, this group is already dealing with added expenses from the high prices of prescription drugs.

Add to that the fact that many parents pay for their children’s insurance until they turn twenty-six, a bill many are happy to foot, but that certainly adds to their financial burden.”

LeaMond said this week, AARP launched a new campaign to stop the age tax that includes advertising and recess visits by AARP staff and volunteers to members of Congress in the states:

“Our latest efforts follow letters we have sent that lay out the negative impact of the age tax. The ads also come as an addition to AARP’s Medicare campaign, which takes on ‘premium support,’ a proposal that would harm Medicare beneficiaries by turning the successful program into a private voucher program.

We are encouraging our members to call their representatives in Congress at 844-617-2688 and urge them to oppose H.R. 708, the bill that would allow insurance companies to charge 50- to 64-year-olds thousands of dollars more for their health care. Remind Congress they should be standing up for their constituents, not insurance companies. You can also send a message to your Representative by going to the following website Opens a New Window. .

Contact info. for Rep. Larry Buschon:

1005 Longworth House Office Building
(202) 225-4636


21 responses to “New Congressional bill HR 708 allows health insurers to charge older Americans 5x more

  1. Thank you!

    Liked by 2 people

  2. The only law that matters is the Constitution. And so it is always troubling to see or hear lamentations about some law and what it will or will not do to the American people, while its Unconstitutionality is ignored. It is like lamenting a home invader putting his dirty feet on the sofa, and not that he has invaded one’s home.

    The IX Amendment states: “The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people”

    The X Amendment states: “The powers not delegated to the United States by the Constitution, nor prohibited by it to the States, are reserved to the States respectively, or to the people.”

    So, unless it was deemed to be a power of the US tyranny, the people and/or the states retain that power. Period. No power was granted to the US tyranny over the people’s health insurance. Period.

    And where does the power to uphold the Constitution reside?! That power resides in the bathroom mirror.

    “Tyranny is submission. Liberty is a demand.”

    Liked by 2 people

    • K. Chris C. . . . . Very well put. If only more individuals realized that it is their personal responsibility to uphold the Constitution, and demand that their elected officials do the same.

      Liked by 3 people

  3. This is not new or news. Health insurance, both individual and group plans, have had age tiered pricing for at least 25 years that I am aware of. And the difference between a 24 year old and a 60 year old has been that great or more. Like it or not it simply reflects expected utilization. I don’t know if flat rating would help. It would no doubt lower costs for older people but substantially raise it for younger who, typically, have less usage, higher family living expenses and lower incomes. Like everything healthcare there is not an easy answer.

    Liked by 1 person

    • Gosh, it’s so nice to know you approve of insurers raising older Americans’ health premiums to FIVE TIMES OR MORE.

      Perhaps you might consider helping out Kerry Weston (9th comment below) whose monthly premiums have risen so prohibitively that she can’t afford the $350.00 for just an office visit.


  4. One thing we can say-if this Bill goes through,it probably won’t be in place for long before the NON-Obamacare system is introduced,and I doubt it’ll pass muster in the new healthcare world.


  5. From the looks of the joker who introduced the bill . . . . I would say he is one brick of a load! Interesting that he has not been able to drum up any “co-sponsors” to the bill.

    Liked by 2 people

  6. Hay Larry Bucshon (R) Indiana, put your bill, HR 708 where nobody can see it, least of all you!

    Liked by 1 person

  7. The seniors I’ve spoken to have lost faith in AARP. The organization is less effective than it should be. This bill is going nowhere. It looks more like a push by AARP lobbyists to bolster membership. However, still worth letting ones’ own Congressional representatives know they should not waste time supporting it.

    Liked by 1 person

  8. This provides a variation of the glass half full or half empty thinking. Full of what? To NWO creatures, a positive “half full of possible reduction in the elderly population and the cost of their Social Security benefits,” and, to human beings, a half empty and headed to hell perspective.


  9. Reblogged this on necltr and commented:

    Reason to call your congressman.

    Liked by 1 person

  10. Repeal ACA. Completely. Don’t replace It AT ALL. Insurance is gambling. And the Gumment has no business in the gambling business. The constitution doesn’t guarantee outcome. Only opportunity. If liberals want to pay for insurance for others, let them. Leave me out of it. God loves a CHEERFUL giver. I give plenty and I would give more if confiscatory taxes would allow me to. Forced giving doesn’t make you a better person.

    Liked by 1 person

  11. Pingback: New Congressional bill HR 708 allows health insurers to charge older Americans 5x more | The Olive Branch Report

  12. My Anthem BlueCross premiums go up every year. I can barely keep these premiums paid. After I pay the premiums, I don’t have any money left to actually pay any doctors. I am supposed to go to the oncology doctor every 6 months. I stopped going because, the last time I went, the doctor charged $350.00 for the “office visit’ and I can’t pay the monthly premiums plus this “office visit” bill too. I will not be going to any doctors this year even if I’m sick.

    Liked by 1 person

    • $350 for an office visit? Freakin outrageous!

      Is there a county health department or other type of public/low cost health care facility in your area? Have you discussed these financial concerns with your doctor? Many are willing to work out a payment plan.

      I hope you can find something in your area to allow you to go to a doc if you become sick.

      Liked by 1 person

    • Kerry . . . this very situation brings up the most glaring pitfall in Obamacare. However, I suspect that the Dems did not really care about gouging the middle class, as they thought it would help to move the question of healthcare farther down the road toward the “single payer” situation. It is outrageous for people to pay outrageous medical premiums, so that coverage is afforded those who are in many cases to lazy, or drugged out to work and thus have coverage for themselves. There is no doubt that this is a transfer of money from one class of citizen to another class. Then we find that the middle class citizen is left with no monies to pay for medical bills after they have paid their premiums. My heart goes out to you. Perhaps there is some state agency that might offer help or have some suggestions for you. God Bless you, I wish you the very best.


  13. Smells like discrimination to me. We paid for insurance for 50 years, so that others may be covered even when we didn’t use it.
    Then they force us to pay for services we will never use. I am pretty certain I don’t need bIrth control or birthing costs. Then they want to fine us for something we don’t need or can afford. Brilliant, just brilliant.
    They have priced Drs. And Hospitals out the market. The drug companies are doing fine for their dangerous over priced drugs by paying off the government. Big pharma owns the FDA.
    The have taken billions from Medicare to Pay for Obamacare and billions from the VA to pay for the refugees.
    Seems like the idiots put a hell of a plan into place for the new President to fix.

    Liked by 1 person

    • To your last sentence, Glenn47…

      “…I inherited a MESS and am in the process of fixing it.”

      –President Donald J. Trump (tweeted last week).


      Shameful that a DOCTOR is so out of touch with The Common Man/Woman/Family that he would pull such a greedy stunt right before the Trump Admin. rolls out their OCare replacement.

      How old is that guy? I hope he ends up a pauper between ages 50-64 if his bill passes.


  14. Where was AARP when ACA or Obamacare was being shoved down our throats? In bed with the Democrats, that’s where. Now they claim to be standing up. Get Lost AARP!


  15. kevin klinefelter

    Is it lost on anyone that this age tax is discrimination at its best. With the demographic shift, insurance companies will be making a killing. I already pay $1450 a month, $17400 a year out of my own pocket with a $6500 deductible. Now your going to charge more. Insult to injury, I’m less than 65 so you restrict how much money I can make while collecting social security, give me a break


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