How Much Health Insurance Costs

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monthly cost of health insurance depends on what kind of health insurance you need and what medical services are covered. Health insurance, which are gained through an employer group plans will be different if you were to meet the individual policies themselves. When considering individual health plan for yourself what will determine your monthly rate is your age, where he lives, his previous medical history, type of health plan you get and what it covers. When you obtain health insurance through an employer group plan, then your employer will be required to pay a portion of health insurance. In most states an employer must pay at least 50% of employee monthly premium and not have to pay anything for any dependents.

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In the latest survey done to the Kaiser Family Foundation employer sponsored group health insurance said that in 2010 the average premium for employee only is $ 421 and $ 1,148 for employee plus family coverage. Part of that premium will be paid by the employer and employee. If age is considered then the average monthly premium would be substantially changed. For some one who is in his twenties, the monthly average will be much smaller then the one in the fifties.

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Recent polls done eHealthInsurance the average monthly cost of individually purchased medical plan is significantly drugačija.Istraživanje shows that the average premium in 2010 for an individual $ 161 and $ 392 for a family. Individual health plans tend to cost less, although counter intuitive. It would make sense if the cost of individual health insurance group plan will be less. The reason for this is that you can qualify for individual health plans and health care for a group plan does not. This means that the lower risk once eligible for health care for them and you get a lower monthly premiums. As with the monthly average of the group plan will vary depending on the age of the applicant.

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