Rates can change once each year. The claims experience of the NEA Retiree Health Program is reviewed annually by the NEA Members Insurance Trust. If changes are needed in the premium rate schedules due to the overall claims experience of the program, your premium rate will change for this reason. For certain states, premium rates will also increase based on your attained age, up to and including age 80, regardless of the claims experience of the program. All claims experience premium rate changes and any applicable attained age premium increases are combined into one single rate change for your policy, once a year.