Why Will Health Insurance Rates Go Up? 
Because of the affordable care act insurance companies must cover everyone regardless of their health . This will increase claims . The companies must also cover pregnancy for all women which is an increased exposure in many cases . Companies can no longer charge according to age , the rates will be determined by community rating . As a result younger people will have their rates go up while some older people may have their rates go down . All of this increased exposure means more claims . The companies will be forced to raise rates to keep solvent . 