Four methods of setting group premium rates require different insurer resources.
Methods used to calculate premium rates for group health insurance coverage require varying levels of staff and financial commitment and differ in how closely they match premium revenue to projected expenses in aggregate. Determining the appropriate method for a group requires an analysis of resources available as well as an examination of competitive forces, state and Federal legislation, and underwriting issues.
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Reden & Anders, Ltd., Minneapolis, Minnesota, USA.
D000206:Actuarial Analysis; D002204:Capitation Fee; D002648:Child; D005249:Fees and Charges; D005260:Female; D006801:Humans; D007348:Insurance, Health / Q000191:economics*; D008297:Male; D008329:Managed Care Programs / Q000191:economics; D011907:Rate Setting and Review / Q000379:methods*; D014481:United States