By Timothy Jost
Implementing Health Reform (August 9 update). Health insurance premiums in the individual market, including qualified health plan (QHP) premiums in the marketplace, are age rated — the older you are, the more you pay. Obviously, each of us is one year older at the end of a calendar year than we were at the beginning. In general, however, individuals who remain in the same health plan throughout a year retain the age rating that they had when the plan year began. But what happens when QHP enrollment changes during the plan year?