Can I be singled out for rate increases?

Absolutely not. After you're accepted your rates will increase with everyone elses in your age group, regardless of your claim history. Additionally, you can not be cancelled due to claim history. Once you're "in", the insurance company will take very good care of you. This is a good reason to choose a reputable company with a solid track record of claim payment history. Both American Community and Blue Cross will take care of you in sickness and in health.