• Within limits, you can be charged higher premiums based on the health status of those in your group. For small employers, Rhode Island limits how much your premiums can vary due to health status and family composition.

You can also be charged more for the age and gender of persons in your group.  In addition, there are limits on the annual increases that can be charged.  For groups with more than 50 eligible employees, Rhode Island does not limit premium variation or increases.   If you have questions about the premiums you have been charged, contact the Rhode Island Insurance Division.