Indiana Code Title 27. Insurance § 27-13-20-1

(1) must be established in accordance with actuarial principles for various categories of enrollees and, in the case of a group contract, shall not be individually determined based on the status of an enrollee's health;

(2) must be developed by an actuary or other qualified person acceptable to the commissioner;  and

(3) may not be excessive, inadequate, or unfairly discriminatory.