A 2007 analysis of MedStat insurance data from 100 companies shows that "the costs of claims* increase with the age of the insured. The average costs of claims rise every 10 years for men from age 45 on and for women from age 35." (p.3)

*The data in this figure represent actual costs of claims filed from 2001 to 2003 by employees from the Medstat sample of more than 100 self-insuring firms. The costs are indexed against the highest cost for an age group within a state for each year to simplify the comparison of age-related costs across states and time. These are costs paid by insurance companies and do not include copayments

Lahey, J. (2007). Does health insurance affect the employment of older workers? (Issue Brief No. 08). Chestnut Hill, MA: Boston College Center on Aging & Work/Workplace Flexibility. Retrieved October 30, 2007 from http://agingandwork.bc.edu/documents/IB08_HealthInsurance_001.pdf

"This issue brief confirms that health insurance costs are one factor affecting firms’ employment decisions."

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