{"id":6998,"date":"2019-10-22T10:55:01","date_gmt":"2019-10-22T14:55:01","guid":{"rendered":"https:\/\/peakinsuranceadvisors.com\/?p=6998"},"modified":"2019-10-22T10:55:01","modified_gmt":"2019-10-22T14:55:01","slug":"what-is-a-health-insurance-premium","status":"publish","type":"post","link":"https:\/\/peakinsuranceadvisors.com\/what-is-a-health-insurance-premium\/","title":{"rendered":"What Is a Health Insurance Premium?"},"content":{"rendered":"

What Is a Health Insurance Premium?<\/h1>\n

A health insurance premium is a monthly fee paid to an insurance company or health plan to provide health coverage. The scope of the coverage itself (ie, the amount that it pays and the amount that you pay for health-related services such as doctor visits, hospitalizations, prescriptions, and medications) varies considerably from one health plan to another, and there’s often a correlation between the premium and the scope of the coverage. The less you have to pay for your coverage, the more likely you will have to have to pay when you need health care, and vice versa.<\/p>\n

Your insurance premium is the amount you’re required to pay each month for coverage under your medical plan. Insurance premium costs can vary significantly based on the plan. If you’re choosing your own health insurance, be sure to pay attention to not just its premium, but what that premium buys you. While you may be inclined to choose the plan with the lowest-cost premium available, that could end up costing you in the end.<\/p>\n

Premiums and insurance plans<\/h4>\n

Anyone with health insurance has a premium attached to that plan, which represents the cost of coverage. Generally, the lower your premium, the\u00a0less comprehensive health insurance coverage you’ll get, and the more you may have to spend out of pocket.<\/p>\n

The \u00a0premium is just one part of your health coverage. On top of your premium, you’re also responsible for additional costs, like deductibles<\/a> and copayments, which can add to the overall expense of your healthcare..<\/p>\n

To figure out\u00a0what type of plan is best for you, review your medical spending from previous years and see how often you tend to use your coverage. Of course, you can’t account for unexpected accidents and the like, but if your health is good, you might come out ahead financially by opting for a lower-cost plan. On the other hand, if you’ve been recently diagnosed with a health condition, or feel that your health is declining, it might make sense to pay a higher premium but limit your remaining expenses.<\/p>\n

Employer-subsidized premiums<\/h4>\n

If you work for a company that offers group health insurance<\/a>, you may only contribute a portion of your premium yourself. It’s often the case that employers will pay a percentage (sometimes a large one) of employees’ premiums, and deduct the remainder from their paychecks. But it’s important to get a sense of how much your premium actually costs, because if you lose or leave your job, and want coverage under\u00a0COBRA, you’ll be on the hook for your entire bill.<\/p>\n

For example, say you’re currently paying $200 a month toward your insurance premium. It could very well be that your plan costs $500 a month, and your employer is covering the rest as part of your benefits package. If you come to leave that job, and want to retain your current plan, you’ll be responsible for that $500 premium in its entirety.<\/p>\n

When choosing a health plan, don’t just look at its premium alone. While it’s natural to want to keep your premium as low as possible, you’ll need to consider what it buys you, and how much additional spending it might expose you to as a result.<\/p>\n","protected":false},"excerpt":{"rendered":"

What Is a Health Insurance Premium? A health insurance premium is a monthly fee paid to an insurance company or health plan to provide health coverage. The scope of the coverage itself (ie, the amount that it pays and the amount that you pay for health-related services such as doctor visits, hospitalizations, prescriptions, and medications) […]<\/p>\n","protected":false},"author":5,"featured_media":7001,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"mc4wp_mailchimp_campaign":[],"footnotes":""},"categories":[339],"tags":[2013,2011,2010,2012],"class_list":["post-6998","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-small-business-health-insurance","tag-employer-subsidized-premiums","tag-health-insurance-fee","tag-health-insurance-premium","tag-premiums-and-insurance-plans"],"yoast_head":"\nWhat Is a Health Insurance Premium? - New York Health Insurance - Affordable Small Business Health Plans<\/title>\n<meta name=\"description\" content=\"What Is a Health Insurance Premium?\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/peakinsuranceadvisors.com\/what-is-a-health-insurance-premium\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Is a Health Insurance Premium?\" \/>\n<meta property=\"og:description\" content=\"Peak Advisors specializes in affordable small group health insurance \/ small business health insurance plans and is here to assist you in comparing, obtaining, and servicing all of your New York business insurance needs.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/peakinsuranceadvisors.com\/what-is-a-health-insurance-premium\/\" \/>\n<meta property=\"og:site_name\" content=\"New York Health Insurance - 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