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  Health insurance provides people with a way to protect themselves against financial catastrophe and to assure themselves and their families of access to the health care system.

Private insurance companies determine premiums through actuarial assessments of the risk associated with the insured group, and premiums can differ from group to group because the risk within each group varies. In other words, a groups' premiums are based on their own medical claims experience known as experience rating.

Rising health care costs continue to be the most pressing problem of the health care system. For more information about Health Insurance, visit America's Health Insurance Plans website at