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In my state you better be selling the lowest rate because there is no excuse no hiding behind possible rate increases as its a nonissue you just move them under a state law allowing them to go from 1 like plan to another or of lesser value...You can even play the GI game if thier health has gone down and they gambled with say a plan N move them to blue cross as they have no medical questions then a couple months later move them to a like plan.