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Message: <blockquote data-quote="DA 20" data-source="post: 1995466" data-attributes="member: 7680">Which level of the plan will you be in?  HHS also set how much each level of plan platinum, gold, silver and bronze may require patients to pay out of pocket. Beginning in 2014, so-called bronze plans can ask patients to pay 40 percent of costs; 30 percent for a silver, 20 percent for a gold; the top-level platinum plans must pay 90 percent of patient costs. The platinum level plans may charge higher premiums, while the bronze plans will be the cheapest in terms of monthly premiums.Another little nugget.  Charge the oldest customers as much as five times more in premiums as the youngest adult customers. HHS stuck with a proposal that allows insurers to charge the oldest patients three times as much as they charge a 21-year-old. And the rates can go up a little bit with every birthday. But smokers can be charged premiums that are five times higher under the new rules.To read more:  <a href="http://vitals.nbcnews.com/_news/2012/11/20/15309331-federal-government-releases-long-awaited-health-reform-rules?lite" target="_blank">http://vitals.nbcnews.com/_news/2012/11/20/15309331-federal-government-releases-long-awaited-health-reform-rules?lite</a></blockquote>