Is a health insurance company aloud to raise your premiums based on how many times you visit a doctor or how many times you file claims with them and make them pay benefits? Or like if your diagnosed with a serious condition? Or are they only aloud to raise premiums based on your age?
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In NJ rates are based on demographics, age, and gender. In NY rates are community rated and can only increase with the trend. That is for group insurance for small business. Rates for large groups are experience rated. I don't know what state you are in so I can't tell you for sure.
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