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Insurance
Feb 13, 2008

In regards to a private health insurance policy (Blue Cross Blue Shield of Arizona), can the insurance company raise their rate if a person is diaganosed with HIV

Response from Ms. Franzoi

Typically, an individual health policy would be community-rated and the premium would be based on the individual's zip code. Although an insurance company can raise a premium on an individual policy, it is typically done based on community rates not individul diagnoses. If it is a group plan, the insurer will set the rate based on plan experience, i.e., an experience-rated policy. If this is the case and the plan has had many high cost claims, the inusrance carrier will raise the premium to reflect experience.



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