Mardi 12 Juin 2018 : Le Journal "PREMYE OKAZYON" en DIRECT sur caraïbes FM - Anpil tire nan Matisan ak Potay - Pèp la Oblije rete lakay yo - Men Koman HAITI leve maten an...

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Mardi 12 Juin 2018 : Le Journal "PREMYE OKAZYON" en DIRECT sur caraïbes FM - Anpil tire nan Matisan ak Potay - Pèp la Oblije rete lakay yo - Men Koman HAITI leve maten an...

Autres Nouvelles : Le chef de Gang "Arnel" au Micro de Guerrier Henri - Les détails ci-dessous...


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Insurance Ratings Area and Loans


Ratings Area and Adjustment Factors

Traditionally insurers make adjustments to the premiums they charge consumers based upon a number of variables. In the past, these adjustments may have accounted for your health status, age, gender, and residence. The Affordable Care Act standardized the factors insurers are allowed to use when calculating premiums for conusmers. Under the new regulations insurers may only use a consumers age, smoking status, and area of residence (rating area) when adjusting premiums.

How Are Rating Areas Defined?


Under the Affordable Care Act each state has submitted a plan to divide up the areas of the state into locations called rating areas. Depending on the state these geographical units will eiher be made up of counties, metroplitan statistical areas or 3 digit zip codes. These state groupings will be submitted to The Department of Human Health Services (HHS) for approval and will then be used by insurers to price premiums. 
When insurance companies price their premums, all households within a rating area will have the same adjustment factor applied. Households with similar age, and smoking characteristics buying the same plan will pay the same amount for premiums. Depending on the rating area you live in the prices you pay may be higher or lower than the state average.

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