We found out (my small company that I work for and act as Insurance admin) that our insurance can charge us up to 49% more each year and not have to have a good reason. Also, they cannot use a medical issue of one of our employee as the reason, however, they see the claims, know the medicines, and specialists the employees see, so they figure out the medical issues and raise the rates according to that, even though legally they "shouldn't" be. It makes no sense and it hurts us as employees b/c our bosses cannot afford to pay insurance for us anymore. They want to up our deductibles to pay lower raters but the deductibles are what we need to meet in order to have the insurance pay major claims. So a $1500 procedure will cost me meeting my deductible of $2000 before they will pay any of it.