Subsidies and tax credits may attract older, sicker consumers to the Affordable Care Act's health insurance exchanges faster than young, healthy consumers sign up, unbalancing the marketplace and driving up prices, an analysis of Ohio's market found. Subsidies will generally be higher for older customers because their premiums will be higher, potentially bringing out-of-pocket costs for older people below those for younger people with the same incomes. About 9 million Americans between the ages of 50 and 64 are uninsured, according to census data.

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