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Health insurance is a business and a business has to charge to be profitable

While you might wonder why you are paying what you do for health insurance, the bottom line is that you are paying the price to stay healthy. In addition though, you are also paying a price for the insurance company to take the risk of insuring you. Call it a gamble if you will that you won’t break the bank and have too many claims.

So, while you do get coverage for your health issues, you are also paying part of your premium for that insurance company to stay in business. In business the bottom line is money – money to keep operating. If the insurance company has to assume other risks as well, you can bet your premiums will go up. This may be what will happen with mandated health insurance coverage in 2014. Keep your ear to the ground for the changing health insurance trends and the differences in pricing in response to the markets.

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