What populations or types of people pay more under experience rating? Does experience rating create any incentives for individuals to act in a certain way? What populations or types of people pay more under community rating? Does community rating create any incentives for individuals to act in a certain way? Which rating system seems preferable to you? What tradeoffs are most important to you? Should the focus be on the good of the individual or the good of the community? Are these mutually exclusive concerns?