The ACA caps age rating at 3-to-1, but actuaries put the real cost spread at 7-to-1. That gap doesn't disappear. It shifts, and younger workers absorb it whether they know it or not.
Excluding part-time workers to save $1,800 to $3,600 a year in coverage ignores the bigger number. One turnover event runs $14,000 to $56,000. Run the math before your next renewal.
