· Within limits, you can be charged higher premiums based on the health, risk, and demographic characteristics of your group. For small employers, Montana limits the difference in premiums and the annual increase that can be charged. In addition, insurers cannot charge higher premiums based on the genetic information of those in your group.

· For groups with more than 50 eligible employees, Montana 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 Montana Division of Insurance.