What are typical premiums for family health insurance coverage? When employers pay health insurance.?

Generally, medical insurance premiums are based on a variety of factors - coverage, usage, demographics of the workforce (age, sex, single/ married, etc) and could range from $ 750 - $1200/ month/ employee. Dental and vision (usually an employee option) coverage could add another $200 - $400 per month. Usually, an employee will pay a percentage of the premium - 10% - 40% for medical, and depending on the employer, 30% - 60% for Dental. Percentages are used simply because there is no re-calculation necessary when premiums change. Employer's look at various factors when determining the employee's co-share of premiums - competitor practice, financial viability of the company, amount of usage, and the like. In some cases, employers give the employees a choice of reduced benefits, without co-share, or regular plan with co-share. Currently, there is a trend to control costs by providing the employee with more control over his/her usage. The company offers a "catastrophic plan" which covers major hospitalization, doctors, surgeons, lab and supply charges, with little/ no c-share deductions. The employee has the option of "shopping" for additional, supplementary coverage, such as office visits, prescription drugs, preventative "out-patient" lab tests, ambulance, x-rays, etc. for which the employee pays with "pre-tax" deductions. In the event, the monies in the employee's account is not used, whatever is left is forfeited.

depends on the policy