Glossary · Marketplace

What is community rating?

Community rating is a rule that stops insurers from varying premiums within a geographic area based on age, gender, health status, or other factors.

Definition and figures from HealthCare.gov glossary, checked October 23, 2026. This page explains the term; it does not recommend a plan.

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Rivvi explains the term from public CMS, Medicare.gov, and HealthCare.gov sources and works through an example with your numbers.

Item	Fact	Source
Bars pricing by	Age, gender, health status, other factors	HealthCare.gov glossary: Community rating

What does community rating mean in health insurance?

Community rating is a rule that stops insurers from varying premiums within a geographic area based on age, gender, health status, or other factors.