I 59 AND SPOUSE 49 STARTED GROUP IN 1994 (aprox) My spouse has an uncurable heart/lung disease. My rates started at $460.00 a month/100%coverage. In 1997 it went to $965.00 a month. 2009 it went to $1425.00 a month with less coverage. Is this legal? It seems so ridiculous to me and everybody that I have spoken with. What is the highest amount a person has paid for their group insurance that you know of? H E L P Any suggestions on what I should/can do? thanks, unemployed me

Small group health insurance rates are indeed subject to increase. To see them triple in 13 years is not uncommon. You have a few options available, depending on the current status of the “group.” When you enrolled in a group health plan, you must prove eligibility for purchasing a business health insurance plan, usually by providing business licensing information and payroll records. If this small business is still in operations, which I assume it is, then you can shop for a new group health plan with a different insurance carrier. You may also review the other plans available through your current insurance company to see if they offer alternatives that are more affordable.

In California, small group health insurance approval for coverage is guaranteed, regardless of health status. However, you must still be able to verify that you are a qualified small business with at least two employees or owners of the company.

Answer by moderator — June 6, 2009 @ 10:56 am

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