Would you like to explain why health insurance premiums spiked in some states and not others? If the underwriting department at a health insurance company is not looking at the risk in a risk pool, then what exactly is he looking at LL? Originally Posted by flghtr65State regulation of premiums, claims experience from different states, and the presence of alternative coverages.
Autombile liability premiums differ from county to county on the same "principles"!
Additionally some states supplement premiums, which drives down the overall premium experiences for the state. Also some employers purchase health coverage from a different state from which the employee is a resident and working.