Health Insurance

Health Insurance

Real-world Health Insurance Rates

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We regularly survey BuyerZone users to ask how their purchases went. We've used their responses to provide a sampling of actual prices paid for health insurance.

The three most popular types of health care plans are HMOs, PPOs, and POSs. Some businesses offer two or three of these options, while others will only provide the one they feel provides best mix of costs and benefits.

Each of these plans requires additional fees for co-payments, co-insurance, and deductibles. You should also consider broker and insurance agent fees when selecting a health insurance plan. These costs are based on the value of the policies you buy.

Most businesses pass on some of the monthly premium costs to their employees. You can choose the percentage you want to contribute: the average employer contribution in 2003 was 84% of the premium for single coverage and 73% for families, but those averages have been dropping.

HMO plan rates

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PPO plan rates

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POS plan rates

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Want more information on choosing health insurance? Read our Health Insurance Buyer's Guide.

Information was provided by BuyerZone users. Quotes have been edited for clarity only.

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