<P> There are different options available to both employers and employees . There are different types of plans , including health savings accounts and plans with a high or low deductible . The plans that have the high deductibles typically cost the employee less for the monthly premiums , but the part they pay for each time they use their insurance , as well as the overall deductible before the insurance covers anything is much higher . These types of plans are good for the people who rarely go to the doctor and need little health care . The lower deductible plans are typically more expensive , however , they save the employee from having to spend a lot of money out of pocket for services and treatment . The recent trend for employers is to offer the high deductible plans , called consumer - driven healthcare plans , because it costs them less overall for the care their employees need , but it is a lower monthly premium for the employees . </P>
<P> There are different options available to both employers and employees . There are different types of plans , including health savings accounts and plans with a high or low deductible . The plans that have the high deductibles typically cost the employee less for the monthly premiums , but the part they pay for each time they use their insurance , as well as the overall deductible before the insurance covers anything is much higher . These types of plans are good for the people who rarely go to the doctor and need little health care . The lower deductible plans are typically more expensive , however , they save the employee from having to spend a lot of money out of pocket for services and treatment . The recent trend for employers is to offer the high deductible plans , called consumer - driven healthcare plans , because it costs them less overall for the care their employees need , but it is a lower monthly premium for the employees . </P>
who pays the premium for private healthcare insurance
who pays the premium for private healthcare insurance
employee
employee