Why did my health insurance rates go up when I didn’t have any claims (didn’t see a doctor, go to the hospital or get any prescriptions)?

Your premium will not go up solely because you have claims, just as it will not go down solely because you do not have claims. People buy insurance to protect themselves from the full financial burden of future events. Insurance is a pooling of risks, so individuals pay a share of the pooled experience in exchange for getting the coverage they purchased. If you have an individual or small employer policy, your premium is based on the claims of everyone with your type of policy. If you have coverage under a large employer health plan, your premium will be based in part on the claims of everyone in the group.