Maryland Code, Insurance § 15-1411

(a)(1) In this section the following words have the meanings indicated.

(2) “Aggregate incurred claims” means the total claims incurred in the experience period that the carrier uses to experience rate a large employer's health benefit plan.

(3) “Experience rating” means that a carrier develops the premium rates for an employer's health benefit plan based in whole or in part on the claims experience of the group that consists of the employer's employees or employees' dependents.

(4) “Large employer” means an employer that is not a small employer as defined in § 31-101 of this article.