- As a small employer, you can be charged higher premiums because someone in your group is seriously ill, unless your coverage is through Blue Cross Blue Shield of Michigan. Blue Cross Blue Shield of Michigan is prohibited from varying small group premiums based on the health status of group members. Premiums will vary based on the age of people covered under the policy. This is called modified community rating.
- The law does not prohibit other Michigan health insurers from charging you more because of the health status of your group or other factors. HMOs, while not prohibited by law, do not vary small group premiums based on the health status of those in your group. In most cases, however, your group premiums may vary based on age.
Can I Be Charged More Because of My Group’s Health Status?
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