Ada, not arguing your post, but not the experience at my company of 400, so might be a size difference. If we had a "bad" year, the next year rates would jump dramatically, yet never go down dramatically after a "good" year. We eventually became self insured with stop loss coverage, but that can be very risky for smaller groups that don't enjoy the statistical spread you mention; personally, I think even 10,000 lives is fairly risky. It got to the point where we had to curtail pay raises due to insurance costs, which wasn't fair to those not on the company plan.
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