The lining of arteries in your legs may become damaged and hardened (atherosclerosis). Arteries narrow or become blocked, which decreases blood flow. This can cause lower leg pain or cramping (called claudication) when walking, climbing stairs, or other kinds of exercise because muscles aren't getting enough blood.
Retro Premium =. Basic Premium includes insurer acquisition costs, insurer operating expenses and an allowance for profit for the insurer. Loss Conversion Factor is a claims handling fee included for the administrative cost the carrier assumes when handling the claims. The Loss Conversion Factor is usually a percentage of losses, normally 10 percent to 15 percent. Tax Multiplier reflects state premium taxes, licenses, fees and miscellaneous assessments that the insurer must pay on the premium it collects. View Issue.
ACA rules affecting premiums Premiums will change under the ACA due to provisions beginning in 2014 that affect the composition of the risk pool, benefit coverage rules, administrative cost rules, and limits on premium variations.f the low-cost indi-viduals, who are vulnerable to the largest gross premium increases, elect to leave (or not join) the individual market after the ACA 2014 rules take effect, upward pressure on premiums will result. The premium subsidies and individual mandate could reduce this effect.