TABLE 5
NUMBER OF STATES WITH COMPOSITE RATE BANDS IN EFFECT, 1995-1999

1995 1996 1997 1998 1999
Small Group Market
Prohibited 9 11 12 14 13
1.1-1.9:1 23 22 22 19 21
2.0-2.9:1 8 9 9 9 8
3.0-3.9:1 0 0 0 0 0
4.0-4.9:1 0 0 0 0 0
5:1 3 3 3 3 3
No Law 7 5 5 5 5
Total (n) 50 50 50 50 50
Individual Market
Prohibited 6 8 9 10 9
1.1-1.9:1 4 6 5 5 5
2-2.9:1 0 0 1 1 2
3.0-3.9:1 0 0 0 0 0
4.0-4.9:1 0 0 0 0 0
5:1 0 0 0 0 0
No Law 40 36 35 34 34
Total (n) 50 50 50 50 50