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Who the Health Ruling Impacts Most

Baby boomers

Those boomers under the age of 65 will see greater benefits now that the law has been upheld, says David Certner, legislative policy director for AARP. Obamacare puts limits on how much insurers can charge people because of their age and provides subsidies for those with low incomes. The law also closes the so-called “doughnut hole” — the gap in coverage where Medicare beneficiaries must pay $4,000 out of pocket for prescription drugs if they exceed a threshold of $2,700.

What was at stake: Most of those over the age of 65 and on Medicare would have seen little difference to their policies, experts say. But pre-retirees had the most to lose, Certner says. They faced higher premiums and potentially more exclusions for pre-existing conditions, he says. In fact, some 30% of 50- to 64-year-olds spend one-tenth of their family income on health care versus just 18% of 19- to 49-year olds, according to ARRP.

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