Perhaps the biggest irony of the Patient Protection and Affordable Care Act is that if youre young and healthy, youll likely to end up paying higher premiums for individual health insurance than someone who is old and frail or with high-cost medical conditions. The health care reform law restricts insurers from charging older, sicker policyholders more than three times what they charge younger, healthier members under a policy known as community rating. The law also prohibits insurers from rejecting very sick individuals or those with pre-existing conditions that are more costly to treat Continue reading →