A health plan sold through a state exchange may, based on age, do what?

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Multiple Choice

A health plan sold through a state exchange may, based on age, do what?

Explanation:
When a health plan is sold through a state exchange, pricing can reflect a person’s age because older individuals typically have higher healthcare costs. Plans may charge higher premiums for older age groups within the allowed rating bands, so the cost of coverage scales with age rather than health status. This helps keep coverage available under guaranteed-issue rules while sharing risk across ages. The other options don’t fit: premiums aren’t free, benefits aren’t automatically better just due to age, and denying coverage based on age would violate protections in exchange markets.

When a health plan is sold through a state exchange, pricing can reflect a person’s age because older individuals typically have higher healthcare costs. Plans may charge higher premiums for older age groups within the allowed rating bands, so the cost of coverage scales with age rather than health status. This helps keep coverage available under guaranteed-issue rules while sharing risk across ages. The other options don’t fit: premiums aren’t free, benefits aren’t automatically better just due to age, and denying coverage based on age would violate protections in exchange markets.

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