There are two primary factors affecting health insurance policy rates and premiums The first item is your own health history as well as your family health. The number two cause is age.Insurance companies take into account both family history and personal health when calculating premiums for life and health insurance. Health insurance companies usually request blood and urine samples to verify that there are no pre-existing health conditions.The majority of insurance companies provide plans with costlier premiums to individuals with serious or chronic conditions like coronary disease, cancer, diabetes or elevated blood pressure.People who have perfect health will notice that the standard term policy might have slightly more premiums. This is because such policies cover most all health risks. For clients who can afford costly premiums but do not have the time to lower their risk factors, this policy would surely work.People shopping for insurance can check out quotes online to help them find the policy that’s right for them. Also, folks are able to go to the FAQ section to find out what is expected of them to get the best health coverage plan.The variability of family history and health can have an adverse effect on policyholders with low insurance premiums. So these folks need to pay a much higher premium total.Average health insurance premiums skyrocketed to the tune of an annual growth of 10 in the first years of the decade.Eight percent. Premium growth surprisingly stayed strong in 2003, then decreased to 8% in the following year. Since 1982, medical insurance premium rates have risen on average 7% per year. For premiums having to do with health insurance, a typical occurrence is a volatile business cycleHealth insurance had six during 1992.Three percent of compensation for employers in private industries. As if September of 2007, medical benefits made up a significant part of benefits offered by employers. Number 7 is included.One percent of the total compensation. This is what helps companies with more than 500 employees get good health insurance and compensation sharing.Once the price went up most companies pass the increase on to the employees. This has only moved the issue around.A population that is getting older has a big impact on the future of our health care industry in the US. The elderly are the most high-cost demographic groups in terms of pharmaceutical treatment, in-patient care stays, and physician visits.The primary reason for increases in premiums for medical insurance is the increasing age of the population. Since at a minimum, Medicare tries to cover services for 22% of the entire population, the increasing number of older people creates problems for the Program.Paying monthly premiums in a timely manner is important for people. You may qualify for a discount if you have never turned in a claim. It is also very important for policyholders to do a comparison on health insurance plans. And so afterward, they can choose from amongst the array what they think as the best plan.Because of the increasing cost of health care in the U.S., medical insurance is now a critical issue. Therefore, typical health insurance premiums, which are easy to pay, can ensure insurance coverage for most Americans.