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They can bill you for anything they like. The more interesting, and more difficult, question is whether or not you have to pay it.

That would depend on what exactly you mean by "retroactively" and "an increase in premium". It also depends on the exact terms of your contract with them. For example, they can't just decide "Oh, we've decided you need to pay us $10,000 per month for your coverage, and that is effective as of 25 years ago, so fork over 3 million dollars or we'll sue."

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Q: Can your medical insurance company retroactively bill you for an increase in premium that they made?
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