A
Under the ACA’s reforms, issuers and carriers may vary the premium rates charged to a non-grandfathered plan from the rate established for that plan based on age, family size, geographical region and/or tobacco usage. All other factors are prohibited. This means that several factors commonly used by issuers to set higher premiums prior to 2014 (such as health status, claims history, duration of coverage, gender, occupation, small employer size and industry) can no longer be used.