What is a Premium?
Premiums are the recurring cost of keeping your health insurance coverage in effect. Premiums are usually paid every month, although some temporary health plans charge you the entire cost of the plan up front.
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Your premium is based on several factors — including your age, your weight, and your overall health. When you compare plans, you’ll see what’s called the “preferred rate.” Depending on the information in your insurance application, your final premium may be higher.
Your plan’s premium is directly related to your deductible. Plans with low premiums have high deductibles. That means if you’re in good health, you can choose a plan with a high deductible and keep your monthly cost of staying covered low.
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