One age group that has trouble finding private major medical plans are those who are over 50, but not yet 65 so they can get Medicare. While people of any age can have trouble finding an affordable policy, this age seems to get hit particularly hard for a variety of reasons. This is the time of life where people start to develop some health issues that do not seem to affect 30 year olds as much. Insurers can preduct that they will have to spend more money on a typical 55 year old than a 35 year old person. So it can be harder to find affordable premiums, or even to be accepted at all.