The policy does not automatically renew. You will be notified of your new plan rate at least 30 days prior to your policy expiration date. You must confirm your new policy rate in writing or by accepting the rate when logged in to GeoBlue's secure website. Plan rates are based on age at the time of enrollment and are impacted by medical inflation. You will not be asked any medical questions and your personal health history will not determine your new rate. GeoBlue Xplorer rates are standard rates for all re-enrolling members. Rates are reviewed and approved by state insurance regulators, which protects your rights and guarantees fairness. By contrast, offshore/surplus lines insurers are not required to file rates for approval.