Health Insurance Premiums: Past High Costs Will Become the Present and Future Without Health Reform

As Americans learn about the new health care law, a key question is: what will the Affordable
Care Act mean for health insurance premiums paid by consumers and employers? This report
examines the past, present, and future regarding the likely effects of the law on premiums –
along with what might happen without it.
From 1999 to 2009, health insurance premiums skyrocketed while Americans wages and cost of
living grew at a much slower rate. Premiums more than doubled, rising by over $7,500 for the
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