When applying the area rating factors to individual family coverage, is each family member rated based on their individual location or on the subscriber's location?
Members of the same family unit are rated based on the subscriber's location not the individual family member's location. For example, a family living in Grand Rapids, with a college student in Detroit, is rated using the Grand Rapids rating area, including the college student in Detroit. Employees are rated based on their employer's location. For example, an employee living in Illinois, working for a Grand Rapids employer is rated using the Grand Rapids rating area.