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One reason direct comparisons can be difficult between 2013 and 2014 is that insurers face higher claim costs next year. Remember that no one can be turned down for coverage in 2014. Even sick people with pre-existing conditions will be able to get coverage. Also, insurers will no longer be able to impose lifetime payout limits on anyone next year. Therefore, the 2014 rates will need to provide insurers with enough money to cover 60-year-olds who will, as a group, be less healthy in 2014 than the 60-year-olds who have individual health insurance this year.
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