Trends in Premiums in the Small Group and Individual Insurance Markets, 2008-2011. Study Objectives and Research Questions


ASPE asked NORC to track the trends in premium increases between 2008 and 2011, including how premium increases vary by state and type of insurance products. NORC was also asked to look at the trends in premium requests being modified or denied and the overall transparency of rate information for the years 2008-2011. Specific research questions included:

  1. How have rates of premium increases changed over time?
  2. How do premium increases vary by type of insurance product and by state?
  3. What percentage of premium requests have been denied or modified?
  4. How do MLRs vary by type of insurance product and by state?
  5. Have MLRs met state requirements?
  6. What are state trends in premium increases?
  7. How has the transparency of rate premium increases changed over time?

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"20121119 PremTrendsRptFnl.pdf" (pdf, 1.19Mb)

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