Health Insurance Costs

The monthly cost of insurance depends on the type of health insurance you are looking for and what medical services are covered. Health coverage that are purchased by the employer group plans will be different if individual policies apply yourself. When considering individual health plan for yourself what determines your monthly rate is the age in which life, medical history, type of health plan that receives and what it covers. When obtaining health insurance through an employer group plan, the employer is obliged to pay part of health insurance. In most states, employers must pay at least 50% of the monthly premium and employees are not required to pay anything for any of your dependents.

The most recent study of the Kaiser Family Foundation, by the employer group health insurance, said that in 2010 the average worker is only $ 421 and $ 1,148 employee plus family coverage. Share premium would be paid by the employer and the employee. If the age is considered, then the average monthly premium will change significantly. For some it is their twenties average monthly salary will be much lower then someone in his fifties.

Recent survey by eHealthInsurance, the average monthly cost of individually purchased health plan is significantly different. The study shows that in 2010 the average premium for each $ 161 and $ 392 for a family. Individual health plans tend to be cheaper, but it is against-intuitive. It would be logical if the individual costs of health insurance at group level would be reduced. The reason for this is that you must qualify medically for individual health plans and a group plan that you do not. This means you have less risk when you are eligible for individual health care and therefore receive a lower monthly premium. As with the monthly average of the group plan would change depending on the applicant's age

Note that the cost of the actual health plan varies considerably depending on which health plan covers. Thin as deductibles, copayments, coinsurance, maximum out of pocket, in coverage of prescription drugs, dental, vision and other benefits, either increase or decrease the monthly cost. It is always a good idea to get a quote for a health system yourself. Most health insurance quotes can be easily purchased online.