Yes, because age (like smoking) is one of the few factors ACA Marketplace plans can take into consideration. But healthy older people pay the same premiums as u

Yes, because age (like smoking) is one of the few factors ACA Marketplace plans can take into consideration. But healthy older people pay the same premiums as unhealthy older people, which means one of these two groups is being overcharged. Moreover, it means that there is less incentive (not none, but less) to make an effort to end up in the first group as it won't affect your health insurance costs.