While we don't yet know the full financial long-term impact of COVID-19, we do know that the pandemic upended the health care industry and will likely continue to cause premium rate shifts. (Photo: Shutterstock)

As the health insurance rate-setting season approaches, the big question on everyone's mind is, "how will COVID-19 impact health premium rates in 2022?" While the full financial impact of COVID-19 is not yet known, it is expected that the ramifications of the pandemic will be experienced for years to come. Based on this, there are several key factors in evaluating health insurance rates for next year.

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