· If you are a small group as defined under Connecticut law, you cannot be charged higher premiums because someone in your group is seriously ill. In addition, insurers cannot charge higher premiums based on the genetic information of those in your group. You can, however, be charged somewhat more due to the age, gender and family size of those in your group, the type and size of your business and where your business is located. This is called adjusted community rating.

For groups with more than 50 employees, Connecticut 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 Connecticut Insurance Department.