The rate adjustments affecting the historical experience period are as follows: Change in total average rate on 07/01/2016 by 8%. Change in total average percentage on 07/01/2017 by 13%. A legal amendment imposes increases of 3% on 01/01/2017 and by 4% on 01/01/2018 in the individual premiums of all insurance policies (including those already in force). To calculate the adjustment factor for the calendar year 2017.