FAQs_Health_Insurance_Rates > Health Insurance Costs
What causes my premium to increase at a different rate than others with the same insurance policy?
If you buy your own health insurance or have coverage through your employer, your premium may change because you have:
• reached a higher age bracket (called an “age band”);
• added a new family member to the policy; or
• changed benefits.
In addition, if you have coverage through your employer, your premium may change because:
• of changes in the average age or family size of the group as a whole; or
• your employer is paying more or less of the total premium.
If your rate increased, and you buy your own health insurance, check with your insurance producer to find out the exact cause. If you have coverage through your employer, your human resources benefits office may be able to provide this information.