Description: This 1991 panel discussion about individual health rate filings asks the following seven questions and answers each pro and con: 1. Should individual accident and health be guaranteed renewable? 2. Should there be rate increase caps? 3. Should duration rating be permitted? 4. Should optional pre-filing be permitted? 5. Should loss ratios be increased? 6. Should the pending small-group regulation laws apply to the individual policy area? 7. Should the loss ratio be the only determinant in the approval of a rate change? From the Record of the Society of Actuaries Vol. 17, No. 4B.