health insurance policyThe coverages included within your health insurance policy will depend upon the type of policy you have. The health insurance premium will also vary according to the type of policy….a major medical insurance policy or a personal health insurance policy.


A major medical policy can be a comprehensive plan. This type of plan is usually offered through employers. The direct premiums paid by the individual are usually lower with this type of insurance policy. The lower premium is because the employer supplements the premiums.


A personal health insurance policy can have limited coverages and yet still be expensive for the individual. This is due to the individual paying 100% of the premium, with no offset from an employer. The best way to lower the premiums with this type of insurance policy is by raising the deductible.