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FREQUENTLY ASKED QUESTIONS
Understanding how insurance companies determine how much to charge you for your insurance policy is helpful when you are making the decision on which policy to purchase. Here are a few questions that consumers often ask the Maryland Insurance Administration (MIA) about the health insurance premiums they pay. The term “rate” means the amount the insurance company uses to determine your premium. The “premium” is what you pay when the rate has been adjusted based on your age, deductible, copayment levels, and other factors.For information about Health Insurance Costs, How Companies Determine Rates, Maryland's Rate Review Process and how to Learn More, click on the questions below. To view a complete list of FAQs in a PDF version, click here.
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HOW HEALTH INSURANCE COMPANIES DETERMINE RATES
THE RATE REVIEW PROCESS
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