In general it's an exclusion. |
It can be as high 20 to 25 cents on the dollar for administrative costs. |
Medical care costs continued to rise but premiums stayed flat. People continued to use services even though the premium wasn't enough to cover them. |
They key to keeping premiums down is to be accountable about your health, make healthy choices and be pro-active about any conditions you may encounter. Healthier people don't consume as many medical resources and premiums are moderated as a consequence. |
When medical care costs go up, premiums need to keep pace with them. |