%0 Journal Article %T The calculation of insurance rates health insurance %A Arslanova, R.. %K insurance, medical insurance, insurance rates, actuarial calculations, theory of Markov processes %J Actual directions of scientific researches of the XXI century: theory and practice %D 2015 %N 3 %P 4 %I FSBE Institution of Higher Education Voronezh State University of Forestry and Technologies named after G.F. Morozov