Under the new rules, carriers may charge one single rate for dependent children ages 0-14, and unique rates by age for dependents ages 15, 16, 17, 18, 19, and 20. This new rating change will be especially impactful for employee policyholders who hold family coverage with dependent children ages 15 to 20 on their plans. While this will reduce the rate spike from age 20 to 21 in the future, it will substantially increase costs for employees with dependents turning ages 15-20 in 2018. The attached chart illustrates the differences between dependent rates for non-grandfathered Small Group plans between years 2017 and 2018. Dependent Rate Changes 2018
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