· Illinois limits how much premiums can vary due to a small group’s health status. Even with these limits, however, premiums can be significantly higher if someone in your small group has a serious health condition. In addition, premiums can vary based on age, industry, and other characteristics of those in your group. Insurers cannot charge higher premiums based on the genetic information of those in your group.

· Illinois also limits how much small group plan premiums can increase at renewal because of claims experience.

Check with the Illinois Department of Insurance if you have any questions about your small group plan premiums.