Insurance companies can raise the premiums on their policies but only if they increase the premiums on all policies that are the same in that state. No individual can be singled out for a rate increase, no matter how many claims have been filed. In some states, the premium can’t increase just because you are older.

If you bought a policy in a group setting and you leave the group, you may be able you keep your group coverage or convert it to an individual policy but you may pay more. You can ask your state insurance department if your state requires this option.