Understanding Premiums

The resources below can help you understand how health insurance premiums are impacted by various factors.

  • Why Premium Rates Increase: A Dinner Analogy (Flash Presentation) Run time = 13 minutes (there is sound so be sure your audio is on) This automated presentation is designed to help you understand the factors that cause health insurance premiums to rise. It uses a simple analogy to explain how price, utilization, intensity, leveraging, and selection affect health insurance premiums.
  • The Facts about Health Insurance Premiums (posted June 2017) This printable fact sheet explains cost drivers for insurance premiums with data and easy to read charts