A group of physical therapists and consumers affected by insurance premium increases hold a protest outside the offices of Anthem Blue Cross of California on Feb. 23, 2010. (AP Photo/Damian Dovarganes)

The federal government on Thursday finalized a plan to tighten scrutiny on big proposed health insurance premium hikes.

Starting in September, individual and small-group rate increases of 10 percent or more will be reviewed by either state or federal officials, with state regulators having the primary responsibility.

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