community rate

USAGE SUMMARY

The phrase "community rate" is correct and usable in written English.
It can be used in contexts related to pricing, insurance, or services that are offered at a standard rate for all members of a community. Example: "The health insurance plan offers a community rate for all residents, ensuring that everyone has access to affordable coverage."

✓ Grammatically correct

Science

News & Media

Academia

Human-verified examples from authoritative sources

Exact Expressions

12 human-written examples

In the past, Blue Cross plans used to offer a single community rate to all firms, large and small.

Princeton University

But the A.C.A. requires insurers to accept everyone, regardless of health history, and to charge the healthy and the less healthy the same community rate.

The New Yorker

The problem with that, of course, is that if you don't require everyone to buy insurance, then there will be lots of people who will wait to buy their policies until they get sick and then demand coverage at the "community" rate.

The Washington Post

"In order for the electric and water divisions to avoid deficits and continue to provide the service demanded by the community, rate increases had to be proposed by the staff for the current year," Olson said.

Los Angeles Times

The community rate of acquisition for non-carriers is the above-mentioned κ ^.

BMC Infectious Diseases

The pre-shortage community rate of varicella immunization was 79.7% by 24 months of age.

BMC Family Practice

Human-verified similar examples from authoritative sources

Similar Expressions

48 human-written examples

One, about, you know, transparency in financing, and the other is about moving from community rating to risk-rated subsidies.

Forbes

Rather, the American version is called adjusted community rating, because it does allow insurers to adjust the community-rated premium for the age of the applicant.

The New York Times

Conservative Heritage Foundation favors modified community rating.

The New Yorker

This is known as a community rating.

The Washington Post

In particular, they denounce community rating — but Switzerland has community rating!

The New York Times

Expert writing Tips

Best practice

When using "community rate", ensure it's clear what 'community' refers to, whether it's a geographic area, a specific group, or a risk pool. This ensures clarity and avoids ambiguity.

Common error

Avoid using "community rate" loosely; it specifically implies a rate shared across a defined community, not just any discounted or special rate. Always clarify the community in question to avoid confusion.

Linguistic Context

The phrase "community rate" functions primarily as a noun phrase, often used as a subject or object within a sentence. It names a specific type of pricing structure where costs are distributed evenly across a group. As Ludwig AI points out, it's found in discussions about insurance and community services.

Expression frequency: Uncommon

Frequent in

News & Media

48%

Science

38%

Academia

14%

Less common in

Formal & Business

0%

Encyclopedias

0%

Wiki

0%

Ludwig's WRAP-UP

The term "community rate" refers to a pricing system where costs are distributed evenly across a defined group or community, often seen in health insurance and utility services. According to Ludwig AI, the phrase is grammatically correct and most frequently used in news, science and academic contexts. When using "community rate", it's important to clearly define the 'community' to avoid ambiguity. Alternatives include "group rate" or "standard rate", depending on the specific nuance you wish to convey. Understanding the scope and context is crucial to proper usage.

More alternative expressions

Phrases that express similar concepts, ordered by semantic similarity:

group rate

Focuses on a rate applicable to a group, rather than the entire community.

standard rate

Emphasizes the uniformity of the rate, applicable without regard to individual circumstances.

universal rate

Highlights the rate's applicability to all, stressing inclusivity.

pooled risk pricing

Focuses on the mechanism of risk sharing within a community for pricing.

collective rate

Stresses the shared aspect of the rate across a community.

shared cost

Emphasizes the sharing of costs among community members.

equalized rate

Highlights the equality of the rate for all members.

socialized cost

Implies the costs are distributed among society as a whole.

distributed cost

Highlights how the financial burden is spread.

averaged cost

Indicates the price is a result of averaging costs across all participants.

FAQs

How is "community rate" used in health insurance?

In health insurance, "community rate" refers to a system where everyone in a defined community pays the same premium, regardless of their individual health risks. This contrasts with risk-based pricing, where premiums vary based on factors like age or pre-existing conditions. The "Affordable Care Act" incorporates aspects of community rating.

What are some alternatives to the term "community rate"?

Depending on the context, you can use alternatives like "group rate", "standard rate", or "universal rate". These options emphasize the shared or uniform nature of the pricing.

How does "community rating" differ from "experience rating" in insurance?

"Community rating" sets premiums based on the risk profile of the entire community, while "experience rating" bases premiums on the individual's or group's past claims experience. Community rating promotes broader risk sharing, while experience rating can lead to higher premiums for those with a history of high healthcare costs.

Why is "community rating" important in healthcare?

"Community rating" helps ensure access to affordable healthcare for everyone, including those with pre-existing conditions or higher health risks. By spreading the cost across the entire community, it prevents insurers from charging exorbitant premiums to individuals based on their health status.