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"Small firms are very price-sensitive, and a 5percentt premium decrease can mean a lot," Dr. Gruber said.
So if a state currently allows an age band of 5 1, older Americans might see a premium decrease — but younger Americans would see a premium spike.
(A study for the state of Ohio found a healthy young man would experience a rate increase of 90 to 130percentt while a 60-year-old with chronic health conditions would see a significant premium decrease). Moreover, the law provides subsidies to low-income people, so the effect of premium increases on that population may be mitigated.
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And, after tax subsidies, many people may experience premium decreases.
Investors said Mr. Greenberg's comments might signal that premium decreases would begin sooner than expected.
Some of the very best buys for 2014 had premium increases, and some of the worst buys premium decreases.
But the premium decreased as the size of the units increased, disappearing with units of 1,501 square feet or more.
Results show that as consumers' knowledge increases, willingness to pay a premium decreases and that consumers that are more concerned about the environment are willing to pay a higher premium.
When the union wage premium decreases, organizing new members becomes more difficult (Hirsch and Schumacher, 2001).
In fact, water damage claims will mean that 99% of South Florida homeowners will pay premium increases next year, instead of premium decreases, according to experts.
For those purchasing individual coverage under the ACA known as Obamacare, a dozen states are expected to see premium decreases, Avalere said.
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