At TMA Insurance Trust, we do not yet know the full scope of the rate increases for 2023 health insurance premiums, but we anticipate that they could be significant. While we can’t prevent that, we can tell you that you have an opportunity to lock in a lower 2022 rate for the next 12 months. If you currently have an individual HMO health insurance plan, there are special options available that could help you qualify for group health insurance and take advantage of this as well.