Group health plans issued on an experience-rated basis can retroactively make which changes for how long?

Group health plans issued on an experience-rated basis can retroactively make changes for a period of 12 months. Experience-rated plans are those where the premiums are based on the actual claims experience of the group. This means that the costs and losses can vary significantly from year to year, depending on the medical claims of the members.

The ability to make retroactive changes is usually tied to adjustments in premium calculations which reflect the group's claims experience. If a discrepancy is found, such as underestimating claims, the insurer can adjust premiums and benefits accordingly within a 12-month window. This timeframe is important as it allows insurers to make necessary adjustments while also protecting groups from sudden and drastic premium increases.

In some cases, shorter or longer periods could apply in different contexts or regulations regarding individual plans or specific situations, but for typical group health plans based on experience rating, the 12-month timeframe is standard for retroactive changes.