A health insurance rate is the total amount in dollars that an insurance company would charge you on a monthly basis for a particular set of health benefits. For example, it could be $175 or $400 per month, the number is a function of several factors but it simply translates the annual estimated cost & risk for providing health services and taking on the risk of future health problems or accidents you might have and gives you that figure on a monthly basis.
In the era of government health insurance marketplaces and the role of advanced premium tax subsidies in helping persons purchase individual health insurance, be advised that depending upon you and your family's income level you could qualify for a subsidy of your monthly premium costs and in some cases also qualify for reduced deductible and out-of-pocket expense exposure. If you are in this income range (and no small number of Americans fall somewhere within the subsidy income ranges) then the monthly premium most prominently displayed is the reduced premium you pay each month after your subsidy payment had been applied. In this context you are not paying the full premium for your health insurance and are being subsidized for some, in some cases all, amount of the true total premium cost of your health insurance plan. You will also want to look at your cost of insurance before any subsidy was applied so that this consumer understands the true total cost of the plan they selected.
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In the era of government health insurance marketplaces and the role of advanced premium tax subsidies in helping persons purchase individual health insurance, be advised that depending upon you and your family's income level you could qualify for a subsidy of your monthly premium costs and in some cases also qualify for reduced deductible and out-of-pocket expense exposure. If you are in this income range (and no small number of Americans fall somewhere within the subsidy income ranges) then the monthly premium most prominently displayed is the reduced premium you pay each month after your subsidy payment had been applied. In this context you are not paying the full premium for your health insurance and are being subsidized for some, in some cases all, amount of the true total premium cost of your health insurance plan. You will also want to look at your cost of insurance before any subsidy was applied so that this consumer understands the true total cost of the plan they selected.