[ianb]

Which means older people, who have generally been much less able to participate in startups at an early stage, can now have affordable insurance as individuals. Before not only could someone older (though not necessarily very old) be burdened by a high cost of insurance, but you could never be sure that your insurance wouldn't spike to some unrealistic amount. After a certain age insurance companies have been very willing to price a person out of the individual insurance pool (and force the person to move to government or employer insurance). Also god forbid you have a kid.