· If you are a small employer buying a small group plan, you cannot be charged higher premiums based on the health status and the claim history of those in your group. However, premiums will vary based the age, geographic area, industry of your group and other factors. This is called modified community rating. However, insurers cannot charge higher premiums based on the genetic information of those in your group.

· For large groups with more than 50 eligible employees, Colorado does not limit premium variation or increases, except that large groups also cannot be charged more based on genetic information.

· If you have questions about your group health plan premiums, contact the Colorado Division of Insurance.