· Within limits, you can be charged higher premiums based on the health, risk, and demographic characteristics of your group. For small employers, Indiana limits the difference in premiums and the annual increase that can be charged. For groups with more than 50 employees, Indiana does not limit premium variation or increases. Insurers in Indiana cannot charge higher premiums based on the genetic information of those in your group. If you have questions about your group health plan premiums, contact the Indiana Department of Insurance.