Keywords:  tthis, mco, geography, tier, premium
The process of determining a group's premium rate in which an HMO adjusts the standard or pure community rate premium by adding or subtracting an amount that reflects the group's past claims experience.
TThis can also be referred to as factor rating. It is a rating based on different factors for a specific group.
How premium rates are decided based on members' use of benefits and not their individual use of benefits.