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How Much Will My Private Health Insurance Coverage Cost?

There are many things to consider when looking at the costs of health insurance. Your premium is your monthly cost of coverage. Depending on many factors including how many people are covered, what is covered, and what your existing health conditions are, your premium can vary from about $100 a month to many times that.

Your deductible is the dollar figure that you have to meet before your insurance will start paying for care. This can range from $0 to $5000 depending on your carrier and policy type. In general, the lower the deductible is, the higher your premium will be and vice versa.

If you need to see a doctor frequently it is better to keep your deductible low. If you are healthy but want insurance to protect against a major loss you will most likely want to keep your deductible high and have lower monthly payments.

Co-payments and co-insurance are also costs you are likely to experience. These are the part of the medical service that you pay for which could be a percentage or a fixed dollar amount such as 10% or $10 per doctor visit.

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