The health insurance premium that individuals under one group health insurance plan pay is the same because the premium is set by the insurance company. This is usually the case if you are getting your health insurance plan through your employer. You should know that the premium for group plans is normally the average rate of all the employees’ individual insurance rates.

Another reason why the health insurance premium you pay is the same for everyone else in the group is because your employer cannot discriminate anyone with regard to offering health insurance. If the employer is offering health insurance, then all employees are entitled to healthcare benefits regardless of their medical condition. The employer cannot legally pry into its employees’ medical conditions in order to single out the ones with possible health issues. Also, pre-existing conditions do not apply in group health plans. All employees pay the same premium regardless of the other members’ health conditions.

If you are getting your own private health insurance though, there’s likelihood that your health insurance premium is different from another individual’s insurance premium. This is because age, gender, medical history, and pre-disposition for certain illnesses or disorders affect the coverage and insurance rates of your health plan.

Answer by general public - June 26, 2009 @ 10:36 am

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