Stand up for facts and support PolitiFact.
Now is your chance to go on the record as supporting trusted, factual information by joining PolitiFact’s Truth Squad. Contributions or gifts to PolitiFact, which is part of the 501(c)(3) nonprofit Poynter Institute, are tax deductible.
I would like to contribute
Congressional hopeful Antonio Delgado is pitting U.S. Rep. John Faso against his senior constituents.
The Democratic candidate is challenging the Republican incumbent for the House seat in New York’s 19th Congressional District, located in the Hudson Valley and the Catskill Mountains. The district voted for President Donald Trump in 2016 by a margin of 6.8 percentage points.
In a recent TV ad, Delgado says that Faso "paved the way for an age tax on seniors," while onscreen text displays that "Faso voted for an age tax on seniors."
So did Faso vote in favor of a new "age tax" on senior citizens? That’s an exaggeration.
The failed attempt by Republicans to repeal and replace the Affordable Care Act would have allowed insurers to hike premiums for certain older enrollees from up to five times more than what they would charge younger adults. The current law sets the cap at up to three times as much. The bill also would have allowed states to set a different ratio.
But the ad fails to mention a few things.
It doesn’t apply to seniors on Medicare, or to people over the age of 50 with medical coverage sponsored by large employers.
It also wasn’t a "tax" imposed by the government — the phrase "age tax" was dubbed by AARP, because the legislation was expected to increase premiums for the elderly.
And — probably most importantly in this case — it doesn’t apply to New Yorkers.
In a news release, the Faso campaign argued that the plan would have had no impact on New York seniors because the state already restricts insurers from billing customers varying amounts based on age. The bill was voted into state law in the early 1990s.
Faso cites the Empire Center for Public Policy, a fiscally conservative think tank out of Albany, which marked Delgado’s claim as "particularly misleading in the context of New York State’s insurance market."
In response, Delgado’s spokeswoman, Melissa Toufanian, said that while the age ratings wouldn’t have affected New Yorkers, Faso still voted for something that would have had negative consequences for seniors across the country.
We also found that when he was an assemblyman, Faso actually voted against the bill prohibiting age rating when it came across the New York State Assembly in 1992. Despite his vote, the legislation passed with bipartisan support in a 118-25 vote and was signed into law, records show.
Delgado said in an ad that opponent Faso "voted for an age tax on seniors."
The claim refers to Faso’s 2017 vote for the Republican effort to repeal Obamacare, which would have permitted insurers to raise premiums on individuals over age 50 up to five times more than what they charged younger adults.
However, the provision didn’t apply to those on Medicare, or people over the age of 50 with coverage through large employers.
Also, it wouldn’t have affected New York seniors, as the state has prohibited insurers from charging higher rates based on age since the early 1990s.
The claim contains elements of truth but glosses over details and ignores critical facts. We rate it Mostly False.
Antonio Delgado ad, Sept. 12, 2018
PolitiFact Arizona, "Kyrsten Sinema says she stopped a health care age tax. Really?" Sept. 19, 2018
AARP, "Don’t Get Fooled: The Age Tax Is a Real Thing," Accessed Oct. 1, 2018
Congress.gov, H.R.1628 - American Health Care Act of 2017, Accessed Oct. 1, 2018
Congress.gov, Final votes results H.R. 1628, Accessed Oct. 1, 2018
Email interview, Melissa Toufanian, Delgado campaign spokeswoman, Oct. 1, 2018
New York Times, "Repeal of Health Law Faces a New Hurdle: Older Americans," March 5, 2017
Times-Herald Record, "The Fray: Faso, Delgado trade jabs over "age tax" claim in TV ad," Sept. 22, 2018
Kaiser Family Foundation, "Health Insurance Market Reforms: Rate Restrictions," Accessed Oct. 1, 2018
Read About Our Process
In a world of wild talk and fake news, help us stand up for the facts.