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experience rating

   Also found in: Financial 0.01 sec.
experience rating
[ikspir′ē·əns]
Etymology: L, experientia, testing, rata, proportion
a system used by insurance companies in the United States to set the premium to be paid by the insured on the basis of the risk to the company of providing the insurance. Experience rating may lead to very high malpractice premiums in some medical specialties, for the insurance company calculates the premium on the basis of settlements made in related malpractice cases during a specified period. Experience rating is also used to set annual membership health maintenance fees in organizations in which the cost of providing the services in a previous accounting period is used to determine the premiums for the next fiscal year.

experience rating,
n a determination of the premium rate for a particular group partially or wholly on the basis of that group's own experience. Age, sex, use, and costs of services provided determine the premium.


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Well apparently insurance rates are determined by your group experience rating and not necessarily by how healthy you are.
Independent experience rating plans apply in 10 states: California, Delaware, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Carolina, Pennsylvania and Texas.
Other topics addressed by the authors include credibility theory, Bayes estimation with exponential loss, bonus-malus systems, elements of heavy-tailed distributions, bonus hunger and other behavioral problems related to individual experience rating, optimal design of bonus-malus systems for aggregates of sub-portfolios, and a case study of the French bonus-malus system.
 
 
 
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