What’s the difference between community-rated and experience-rated health insurance premiums?

Premiums based on a community rating allocate risks evenly across a defined community. This means that everyone pays the same, regardless of age, gender or health status. With experience-rated underwriting guidelines, premiums are adjusted based on the age, gender and health history of those covered. In New York State, employer groups with fewer than 100 eligible employees are community rated. In Pennsylvania, employer groups with fewer than 50 eligible employees are community rated.