that's a great question and one many people are concerned with. first there are a few reasons why insurers can still charge higher rates. they can charge an older person up to 3x that of a younger person they can charge up to 50% more if you smoke and they can take into account where you live because medical care costs vary across the country. however the condition of your health cannot influence your costs. the main concern now is whether enough young healthy people will sign up for health insurance through the marketplaces. if they do the expectation is that the market will even out and prices won't spike. if however only older sicker people sign up costs could rise. we won't know for a while how it all turns out.
since insurance companies can't charge differential pricing wouldn't all fees go up for everyone now?