With the imminent change by 2014 as in no preexisting conditions and that all carriers have to accept everyone, carriers are trying to slow the imminent raise in rates. Some companies are offering locked rates til the end of 2014 when it comes to individual/family health coverage (non employer sponsored). This is really a nice perk to take advantage of now. Lock in your rates for the next two years because just like coverage is now ‘a sure thing’ so are the rates. ‘Sure thing’ in going up.