Using analogies to explain premiums to a new health insurance consumer

It’s open enrollment season for the Affordable Care Act, and many people are getting health insurance for the very first time. We’ve heard from some of our assister friends that new health insurance consumers aren’t familiar with the idea that they must pay a monthly payment, even when they don’t use health care.


Premiums are the cost you pay to have health insurance. Premiums may be paid by you, your employer, or a combination of both. They’re usually paid monthly.

You can help them keep their insurance – and all the health benefits that come with being insured – by clearly explaining the concept of premiums. Helping them stay current on their premiums means their insurance will be there when they need it for emergencies and routine care.


Analogies can help consumers understand. Try these:



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