Unpredictable premiums

Federal law prohibits insurers from refusing to insure a small business based on the health status of its employees, but only a few states prohibit insurers from significantly raising rates for employers who are most likely to use services. And insurers can charge more from year to year, sometimes so much more that they force employers to drop coverage.Federal law prohibits insurers from refusing to insure a small business based on the health status of its employees, but only a few states prohibit insurers from significantly raising rates for employers who are most likely to use services. And insurers can charge more from year to year, sometimes so much more that they force employers to drop coverage.