MADISON, Wis. – Under the new Republican healthcare plan, insurance companies would be allowed to charge older workers much more than younger workers, a move that AARP Wisconsin calls an "age tax."

This provision in the GOP proposal comes from legislation, House Resolution 708, that AARP charges would line the pockets of insurance companies.

Lisa Lamkins, advocacy director for AARP Wisconsin, said people age 50 and older could pay as much as five times more than younger people pay for the same coverage.

"They already can't afford the health insurance as it exists," Lamkins said. "If we were to see these new healthcare bills charging older consumers more, what we're going to see is people unable to afford that health insurance, and more and more older people going without health insurance."

Lamkins said if this kind of "age tax" becomes law, taxpayers of all ages would have to spend an additional $6.7 billion in assistance for older Americans who need extra help paying their health-insurance premiums.

Supporters of allowing insurance companies to charge older people rates much higher than younger people have said it will open up the market for young people and motivate them to buy health insurance. But according to Lamkins, that approach won't help young people that much, while it really hurts older people.

"The estimates for an annual premium for a 24-year-old means their premium will go from about $2,800 a year to $2,100 a year," she explained. "Unfortunately, premiums for a 64-year-old will skyrocket. They will go from about $8,500 a year to $10,600 a year."

The current system allows insurance companies a three-to-one age rating. In other words, because older people tend to need more health services than younger people, insurance companies are allowed to charge them three times as much as younger customers.

Under the proposals being floated now, that limit would go away and insurance companies could charge older people much more for the same coverage.

"We really need to say to our members of Congress, 'Let's be reasonable about this. Let's make sure that insurance companies stick with the three-to-one age rating.'"

Lamkins believes elected officials should be standing up for older workers, not insurance companies.



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More middle-aged and older South Dakotans had financial concerns this year, especially around health care, according to a new survey.

Advocates for this age group hope policymakers will take note. A new AARP survey of South Dakotans ages 45 and up shows 81% are concerned about the price of prescription drugs. That's a nearly 10% jump from the last survey in 2021. There has been a 6% increase in the number of people concerned about their ability to afford health care costs, including premiums and co-pays.

Erik Gaikowski, state director of AARP South Dakota, said groceries are a big concern.

"That's one of the things that we've seen an uptick in, folks thinking about their financial future and what that looks like with rising costs of basically all things," Gaikowski explained.

This year will be the first in which the Vital Voices survey has published distinct data for American Indian and Alaska Native respondents. The groups had similar responses to the broader population.

Gaikowksi hopes elected leaders at all levels will use the data to inform their policymaking.

"We really want our elected leaders producing policy that's going to benefit those folks that want to age in their home, in their home community," Gaikowksi emphasized. "Concerned about their health care, are concerned about paying for groceries, paying for prescription drugs, things of that nature."

AARP South Dakota publishes weekly updates of its advocacy work during legislative sessions. The 2025 session starts Jan. 14.

Indiana's busy holiday roads can put older drivers to the test.

With 2.8 million Hoosiers traveling this season, the AAA Hoosier Motor Club encouraged families to help senior drivers stay safe.

Christina Griffiths, manager of public affairs and communications for the club, highlighted the importance of preparation for older drivers.

"It really isn't about age necessarily," Griffiths explained. "It truly is a case-by-case basis of what am I dealing with physically, mentally, emotionally, and what can I do better to be as safe as possible?"

Griffiths recommended older drivers take simple steps to prepare for challenging conditions. She suggested checking car tires, brakes and visibility aids like wiper blades. For all drivers, she also stressed the value of adjusting travel times to avoid peak traffic and bad weather.

Winter weather raises the stakes for older drivers. Snow and ice create extra challenges, increasing stress and risk on the road. Griffiths pointed out AAA offers free online assessments and refresher courses to help seniors adjust to physical or emotional changes affecting driving.

"It asks a bunch of questions that you can evaluate: Am I checking behind me when I change lanes? Do I have difficulty with merging, or do I just feel that anxiety, I think is a big one too!" Griffiths outlined. "Maybe you have specific things you need to brush up with on your own skills."

Griffiths urged families to talk openly about driving habits. Small adjustments, like shorter trips or avoiding peak travel times, help seniors stay safe without giving up their independence. She added preparation and support help protect everyone on the road.


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Dementia, a disease with profound effects on families, loved ones and caregivers, affects more than 55 million people globally, including 6 million in the U.S.

New research shows people can reduce their risks by making even small changes in their daily routines, for example, through exercise and eating more vegetables.

Sarah Lock, senior vice president for policy at AARP, said there are also important steps policymakers can take to make it easier for people to maintain healthy behaviors.

"When we do that, we can disrupt dementia," Lock asserted. "That's a really exciting possibility, given that so many of us -- as our nation is aging -- are facing that risk."

Dementia is the third-largest cause of death in the nation for people age 70 and older, and two-thirds of Americans have at least one major potential risk factor. People who smoke five cigarettes per day have a 16% higher dementia risk than nonsmokers. People with prediabetes face a 25% increased risk, which rises to 50% with full-blown diabetes. Prolonged exposure to air pollution is also a major dementia risk factor.

Other risk factors include alcohol use, depression, high body mass index, hearing loss, hypertension, low education, physical inactivity, social isolation and traumatic brain injury. Lock pointed out policies to reduce these risks can vary by state. For example, in Colorado, physical inactivity may not be as big of a
problem as in other states, but hearing loss is relatively high.

"We can suggest to policymakers that they focus on ways to help people screen and correct for hearing loss," Lock noted. "In Colorado, that might be a wiser use of public dollars, to go after the problem that seems to be biggest in your state."

Lock added the goal of the research is to offer people pathways to better brain health and to give older Americans more quality time with their loved ones. The findings were released by the new Dementia Risk Reduction Project, a collaboration between AARP, the Alzheimer's Disease Data Initiative and the University of Washington.