As lawmakers and industry leaders toil over plans to fundamentally change how health care is paid for in Massachusetts, two leading consumer groups are asking them to give ratepayers a one-year reprieve from premium increases. At a noontime rally at the State House today, Health Care for All and the Greater Boston Interfaith Organization plan to call for a 2012 freeze on base premium rates that have jumped sharply in the past decade. The idea is to pressure decision makers, particularly insurers and hospitals, to hash out a long-term plan at a quicker pace. The Rev. Hurmon Hamilton, president of the interfaith group, said he expects industry leaders to say a freeze is impossible. From 2007 to 2009, premiums for private group plans in Massachusetts increased 5 to 10% annually, while benefits were reduced, according to a state report. Last year, state regulators fought off proposed increases in the teens and higher for small businesses and individuals. The state Division of Insurance has no authority to enact a cap on rates. That means a freeze would require cooperation from insurers and physicians.