compare As a small business owner insurance options, you may be wondering how much care premium costs. In 2014, the average premium Care cost $ 346 / month before federal subsidies and 82 / month $ when you receive subsides Federal. Of course, pay for the coverage depends on several factors, which you and your employees. Here's a look at the cost of individual health insurance through the Care marketplaces. 
Average Care premiums are $ 346 / month without subsidies, 82 $ / month with subsidies
In 2014, acquired the average individual health insurance premium by the insurance marketplaces , decreases in federal, was $ 346 / month.
If you are like 87 percent of those who bought at the market place in 2014, you get a discount on your health insurance. The average cost to a federal grant in 2014 was over $ 82 / month all kinds of plans.
this free guide download average premium costs from state to search.
is what a care premium costs
What you pay for individual health insurance depends on several factors:
- your country and region
- your age
- kind of health plan you choose (the coverage ratio, carrier, etc.)
- use your tobacco
- your income (as suitability for federal subsidies is based on your household income)
as you can from the list, the health conditions and medical history not affect your ability to obtain individual health insurance see and has no effect on what You pay.
As the federal subsidies work
They are for federal grants into consideration when
-
They are not offered by employer health insurance (through your work or your spouse),
- They offered buy an individual insurance health check market your state and
-
your household income is less than 400% of the federal poverty level (FPL ). This corresponds to $ 46,680 / year for an individual and $ 95,400 / year for a family of four in 2014
The federal subsidies as a cap on the amount you pay act. If you are entitled to the subsidy caps the amount you pay for your premium on a sliding scale between 2% and 9.5% of income.
To see more learn about the federal grants for health insurance in this article.
How Care premiums comparing group health insurance
Compare Many small businesses, the cost of individual health insurance to the cost of group health insurance. A common misconception is that individual health insurance costs more.
In 2014, to cover the cost for a single employee with group health insurance $ 502 / month averaged. Compare this to an average of $ 346 / month for individual health insurance -. Or an average month $ 82 / if you qualify for federal subsidies
In fact, one of the main reasons small business owners group health insurance in favor of individual health insurance canceling is that individual health insurance costs less. In addition, your company a premium set reimbursement program to reimburse employees for their individual health insurance premiums as an alternative health benefits to group health insurance
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