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The fourth policy alternative, YOUNGINS, attempts to mitigate the problems of adverse selection and affordability by including insured persons of working age. At younger ages relatively few people are disabled, and prefunding reduces annual premiums by lengthening the period of contributions and accumulation of interest earnings. Persons starting at age 30 and over are assumed to buy as much nursing home insurance (in terms of years of covered care) as they can afford for 1 percent of their income. Again, premiums were estimated by Social Security Administration actuaries and vary from$$127 a year at age 30 for a policy that covers one year of nursing home care to $3,135 a year at age so for a policy that covers unlimited nursing home care.