DON'T PANIC! Four questions to ask when reading a Scary Rate Increase® headline

As you may have noticed, I've been posting a bunch of 2016 Rate Change Request posts over the past week or so. Last week I wrote about Oregon, Washington State, Iowa and Connecticut. This week I've added Michigan and the District of Columbia, and just this morning I added Vermont and Maryland. Other state numbers will be popping up left and right over the next couple of weeks.

To try and avoid confusion, my latest exclusive piece over at is a primer of sorts on what to be on the lookout for when you start seeing scary-sounding newspaper headlines about "massive rate hikes!" for 2016.

Spoiler: They may be accurate, or they may be full of hot air. Check it out!