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Health Net's Changes for 2014 Premium Rating Rules

Jul 03, 2013

Broker Pulse
Stacy Madden

The major provisions of the Affordable Care Act are right around the corner. The way premiums are rated will be a major factor in reshaping the health insurance market.


As one example, health insurers in the Individual and Small Group markets must treat the entire market as a single risk pool when setting rates.

In addition, differences in premiums based on health status are not allowed. Insurers must charge sick people and healthy people the same premium. 

Health plans under reform can vary premiums based on four allowable rating factors:

There may be some variations in different states, depending on how rating works today. In California and most states, the rating structure described will be effective on or after January 1, 2014.



If you have any questions regarding Health Net or the new rating rules, please contact your b&p Sales Team - 888.722.3373.

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