You have a low rate in the first place because they've decided there's a low chance they'll have to pay out a lot of money for you. Most likely, your premium is all or nearly all profit.
Better to keep your profitable premiums than to lose you to a cheaper state exchange. It'd only make sense to force you into the newer rate immediately if you had no other option -- but the exchanges are all about giving you more options.
Better to keep your profitable premiums than to lose you to a cheaper state exchange. It'd only make sense to force you into the newer rate immediately if you had no other option -- but the exchanges are all about giving you more options.