How do you fight a health insurance co raising your cost with out justification?

Answer 1

You are saying without justification, but their justification is the ever increasing cost of medical care. This is where you need to start your fight. Write your Legislature Representatives and voice your complaints to them because they represent many whereas you only represent one. You voice can be heard and it is their job to represent your views, so use them to do their job.

Answer 2

You have concluded that the premium increase was without justification, but you have not stated why you feel that there was no justification. Nonetheless, the first step would be to contact the insurance agent/broker thru whom you bought the policy and ask that he/she research it. Alternatively, you can contact the underwriting department of the insurance company and inquire. Have the policy number available.

There are any number of reasons why premiums increase. What you have to understand is that the amount that you pay as a premium is derived from a "rate", which is the cost per $100 of coverage. State insurance regulators approve/disapprove rates. Therefore, in addition to or instead of the foregoing actions, you can contact the Consumer Services Division of the Department of Insurance of your state to inquire of the reason. If an increase was not approved, you may be able to complain through the Department.

Answer 3

You can do little by fighting a Health Insurer against premia rise,since the same is decided by their central office after considering various aspects like claim ratio,rise in operational cost etc. You can write protest letter as a customer to the co. or to the dailies, ventilating your grievances.

Answer 4

depends on the contract, therms of use and so on. what do they have right to do.
you can change the insurance comany.
and also you might want to see what the state healthcare delivers for free and what the company has under their coverage.