 [ Symptoms ] if you currently have health insurance will your company lower the current rates if you stay with them  or must you switch to a different company to get competitive rates how long must the insurance companies keep their rates the same can they raise them in 6 months can doctors raise their rates [ Disease ] it is unlikely insurance companies will lower your rates you can certainly stay with your current insurer assuming your plan is not being discontinued because it does not comply with the law but it is a good idea to shop around to make sure you are signed onto a plan with the best coverage at the best price for you generally insurers raise rates at the time of renewal so it is reasonable to expect a rate increase once a year