What kind of premiums can employers and retirees expect from RHA?
Initial premiums are set on an employer-specific basis. Employers with subsidies and relatively good experience may be quoted 2008 premiums as low as $400 to $500 per month for single coverage for pre-65 retirees. Employers without subsidies for their early retirees will receive higher premiums because of adverse selection caused by healthier retirees opting for medically underwritten individual policies. Post-65 premiums are competitive with what is currently available in both the group and individual Medicare market.
