Real ChatGPT answer · index seedTKyoXszZXEAcompleteInsurance · health insurance plansinformational

How do insurance companies determine the rating area when calculating monthly health insurance premiums for a business located on the border of two states?

ChatGPTgpt-63 queries11/1/2026
Download run

Fan-out diagram

The searches the AI actually ran for this prompt.

SEED QUERY
How do insurance companies determine the rating area when calculating monthly health insurance premiums for a business located on the border of two states?
3 real searches · 1 real-search pass
ACA small group health insurance rating area employer located multiple states principal business address employees worksite rating area CMSGoogle ↗
OBSERVEDOther / navigational
CMS geographic rating areas small group market employer location rating area multi-state employerGoogle ↗
OBSERVEDOther / navigational
Connecticut small group health insurance rating area employer location employees worksite rating areaGoogle ↗
OBSERVEDComparison

Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.

Query classes

Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.

ChatGPT real searches (3)
Short factOther / navigational67%Comparison33%ConsequenceReasonDefinitionInstructionYes / no

Classes come from the query-classifier (a local Laya model). 3 of 3 calls are low-confidence (under 50%) — hover a query in the table to see its confidence.

Searches and sources

ChatGPT3 real searches · gpt-6
ACA small group health insurance rating area employer located multiple states principal business address employees worksite rating area CMS Google ↗
CMS geographic rating areas small group market employer location rating area multi-state employer Google ↗
Connecticut small group health insurance rating area employer location employees worksite rating area Google ↗

Queries

3 queries · click a column to sort
Query / typeSearchIntentQuery classRouting formatClusterFreq ↓Weight
ACA small group health insurance rating area employer located multiple states principal business address employees worksite rating area CMS
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1
CMS geographic rating areas small group market employer location rating area multi-state employer
OBSERVED
Google ↗
AI Mode ↗
—Other / navigational——1x
of 1
Connecticut small group health insurance rating area employer location employees worksite rating area
OBSERVED
Google ↗
AI Mode ↗
—Comparison——1x
of 1