2. Under the ACA's community rating rules, insurers are restricted in how much they can charge older policyholders relative to younger ones. Specifically, the ACA imposes a 3:1 age-rating restriction on all health plans sold in the nongroup market, meaning a 64-year old cannot be charged a premium which is more than 3x what a 25-year old would pay (for the same plan).' Some policymakers have proposed changing the age-rating restriction from 3:1 to 5:1. If that proposal became law, explain the likely effects on average premiums and enrollment rates in the nongroup market; and describe the implications for consumers in different age groups. 2. Under the ACA's community rating rules, insurers are restricted in how much they can charge older policyholders relative to younger ones. Specifically, the ACA imposes a 3:1 age-rating restriction on all health plans sold in the nongroup market, meaning a 64-year old cannot be charged a premium which is more than 3x what a 25-year old would pay (for the same plan).' Some policymakers have proposed changing the age-rating restriction from 3:1 to 5:1. If that proposal became law, explain the likely effects on average premiums and enrollment rates in the nongroup market; and describe the implications for consumers in different age groups