What factors affect the costs of individual health insurance?

Many factors affect the costs of individual health insurance, including professions, age, national environment, general medical history and benefits, exclusion and deductions associated with the individual health insurance plan. Factors affecting costs are similar to factors that affect the cost of the group's health insurance. In addition, other external factors affect health insurance premiums, such as health care costs, compliance costs and the company's total operating costs. For example, an applicant in a high -risk field may have to pay higher premiums than the applicant in a relatively low field. Insurance companies employ risk evaluators and use computer algorithms to determine premiums. For example, if the population of the particlear area is more likely to develop diseases caused by environmental problems, such as air pollution, then everyone in this area may have to pay higher premiums. General Health of Applicants also PoskytInsurance companies are an idea of ​​long -term costs associated with the provision of health care.

A relatively healthy person is likely to cost a company of less money than an unhealthy person, which usually leads to a bonus difference. In determining the costs of individual health insurance, the medical history of man is also taken into account. If the applicant has a history of disease, the bonus may be slightly higher. Other factors, such as existing conditions that require immediate treatment and coverage, are also considered in the health plan costs.

One of the most important factors that determine the cost of individual health insurance is the level of health plan. Heaplan LTH, which covers fewer items or has a relatively low cap, is likely to have lower premiums than the health care plan that covers more and has higher limits. The cost of the deductible or the common costs of the plan alsoThey play a factor in the cost of individual health insurance.