> Health insurance companies can no longer deny coverage based on credit scores, although apparently credit scores can impact your rates
I don't believe that's the case anymore since they have to provide coverage. Smoking is the only thing I remember that affects your ACA compliant rates. It makes sense otherwise you would be forced to purchase a product that could be much more expensive for the simple act of not having credit history (something that's not so unusual, especially for younger people).
An insurer can also charge up to 3x rates based on age under the ACA. Prior to the ACA limiting the differential the market spread was about 5x from young to old in terms of age.
Smokers only have to pay 50% more so being old will effect your rates more than smoking will under the ACA.
I don't believe that's the case anymore since they have to provide coverage. Smoking is the only thing I remember that affects your ACA compliant rates. It makes sense otherwise you would be forced to purchase a product that could be much more expensive for the simple act of not having credit history (something that's not so unusual, especially for younger people).