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A health insurance premium is the monthly payment a person makes each month for the company that provides their individual health insurance or family health insurance. If a person has individual health insurance from their place of employment, the part of the premium that they are responsible for is deducted from their paycheck. To find out the premium on health insurance policies, people get health insurance quotes from different insurance companies.

When an individual gets health insurance quotes, they can be expensive or inexpensive depending on the coverage requested. Individual health insurance policies with more out-of-pocket costs (costs that a person is not reimbursed for) are usually less expensive. Health insurance quotes for HMO style individual health insurance, where an individual must use network providers, also have lower premiums. Expect to pay a higher premium for individual health insurance that covers vision, dental and prescription drugs. You should consider how often you use these services to determine if the higher premiums are worth it.

Health insurance quotes are also affected by your age, your job, and your health. People in very high risk jobs, such as a commercial fisherman, will pay higher premiums. People with chronic medical problems will also pay higher premiums. This is why health insurance quotes can vary greatly from person to person, even if they chose the same coverage.