Small Group Health Insurance Market Rate Restrictions

2013

Location	Limits on Rating	Type of Rating Restriction	Rating Allowed for Health Status?	Rating Allowed for Age?	Rating Allowed for Gender?	Rating Allowed for Tobacco Use?	Rating Allowed for Industry?
United States	48+DC Yes	N/A	38+DC Yes	48+DC Yes	35 Yes	35+DC Yes	37+DC Yes
Alabama	Yes	Rate Bands	Yes	Yes	Yes	No	No
Alaska	Yes	Rate Bands	Yes	Yes	Yes	No	Yes
Arizona	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Arkansas	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
California	Yes	Rate Bands	Yes	Yes	No	No	No
Colorado	Yes	Adjusted Community Rating	No	Yes	No	Yes	Yes
Connecticut	Yes	Adjusted Community Rating	No	Yes	Yes	No	Yes
Delaware	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
District of Columbia	Yes	Rate Bands	Yes	Yes	No	Yes	Yes
Florida	Yes	Rate Bands	Yes	Yes	Yes	Yes	No
Georgia	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Hawaii	No	No Rating Restrictions	Yes	Yes	Yes	Yes	Yes
Idaho	Yes	Rate Bands	Yes	Yes	Yes	Yes	No
Illinois	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Indiana	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Iowa	Yes	Rate Bands	Yes	Yes	No	Yes	No
Kansas	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Kentucky	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Louisiana	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Maine	Yes	Adjusted Community Rating	No	Yes	No	Yes	Yes
Maryland	Yes	Adjusted Community Rating	No	Yes	No	No	No
Massachusetts	Yes	Adjusted Community Rating	No	Yes	No	Yes	Yes
Michigan	Yes	Adjusted Community Rating	No	Yes	No	No	Yes
Minnesota	Yes	Rate Bands	Yes	Yes	No	Yes	Yes
Mississippi	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Missouri	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Montana	Yes	Rate Bands	Yes	Yes	No	Yes	Yes
Nebraska	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Nevada	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
New Hampshire	Yes	Adjusted Community Rating	No	Yes	No	No	Yes
New Jersey	Yes	Adjusted Community Rating	No	Yes	Yes	No	No
New Mexico	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
New York	Yes	Community Rating	No	No	No	No	No
North Carolina	Yes	Rate Bands	Yes	Yes	Yes	No	Yes
North Dakota	Yes	Rate Bands	Yes	Yes	No	No	Yes
Ohio	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Oklahoma	Yes	Rate Bands	Yes	Yes	Yes	No	Yes
Oregon	Yes	Rate Bands	Yes	Yes	No	Yes	No
Pennsylvania	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Rhode Island	Yes	Adjusted Community Rating	No	Yes	Yes	No	No
South Carolina	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
South Dakota	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Tennessee	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Texas	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Utah	Yes	Rate Bands	Yes	Yes	Yes	No	No
Vermont	Yes	Adjusted Community Rating	No	No	No	No	No
Virginia	No	No Rating Restrictions	Yes	Yes	Yes	Yes	Yes
Washington	Yes	Adjusted Community Rating	No	Yes	No	Yes	No
West Virginia	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Wisconsin	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes
Wyoming	Yes	Rate Bands	Yes	Yes	Yes	Yes	Yes

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Small Group Health Insurance Market Rate Restrictions

2013

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