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[quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous][quote=Anonymous]OP, plan prices vary by state and are determined by age. So asking here is not that helpful if we don't know what state you're in or how old your nanny is.[/quote]

Age isn't a factor if purchased on the ACA exchange.  [/quote]

Rate are based on age among other factors.[/quote]

Not if purchased from the ACA exchange during open enrollment.  Private insurance - yes.  Obamacare - no.  [/quote]

WRONG! The ONLY differential in ACA rates IS AGE. If you qualify for a subsidy, and it's more than the difference if you are in a higher age group, then you wouldn't know it, but the premium for older people is higher, sometimes much higher.

From Healthcare.gov:
How premiums are set
[i]Under the health care law, insurance companies can account for only 5 things when setting premiums.

[b]Age: Premiums can be up to 3 times higher for older people than for younger ones.
[/b]
Location: Where you live has a big effect on your premiums. Differences in competition, state and local rules, and cost of living account for this.

Tobacco use: Insurers can charge tobacco users up to 50% more than those who don’t use tobacco.

Individual vs. family enrollment: Insurers can charge more for a plan that also covers a spouse and/or dependents.

Plan category: There are five plan categories – Bronze, Silver, Gold, Platinum, and Catastrophic. The categories are based on how you and the plan share costs. Bronze plans usually have lower monthly premiums and higher out-of-pocket costs when you get care. Platinum plans usually have the highest premiums and lowest out-of-pocket costs.

States can limit how much these factors affect premiums.[/i][/quote]

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