• A group insurance plan is one that includes a specific class of people. i.e. the employees of the state of NJ for example. Premium costs are based on the medical forecast for people of like average age, place of residence, forecasted medical costs and possible future medical needs. As the plan moves from year to year the rate actually becomes based on the past medical needs of the group plus forecasted medical rates and medical needs. The federal Medicare program is a really good example of a total population of aged and disabled peoople. It includes a rate for females and a rate for males. Although females more frequently see their doctor and live longer (more preventive care) males have somewhat higher premiums.
  • Open your dictionary and look up the word "orgy".

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