Blue Shield of California today announced a 6 month rate guarantee on all Individual Health Insurance plans that have a Jan 1, 2011 effective date or later.

What this means is that if you apply for a Blue Shield health insurance plan your rate will not change for the first 6 months, unless you have a birthday. After 6 months, Blue Shield has the ability to change your rates when they need to.

Last year Blue Shield offered a 1 year rate guarantee, but chose to eliminate that guarantee option in October of 2010 when the first changes for Health Care Reform began to take effect. Most carriers have eliminated the 1 year rate guarantee, except for Anthem Blue Cross of California.

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