In New York, how must all medical expense health insurance sold to individuals or small groups be rated?

Community Rated

Explanation:

The concept of community rating is generally associated with the health insurance policies which requires a health insurance provider to sell the insurance policies to all the people in a territory at same price without any medical underwriting, without considering their health status.

In the context, In New York, all the health insurances which is sold to people must be rated as community ratings.