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Health Insurance Premiums. A health insurance premium is the monthly payment made to an insurance company to buy an insurance policy. Premiums are the primary source of revenue for insurance providers, which, in order to make a profit, must take in more money in premium payments than they pay out in benefits.
Anyway, a premium is what you pay every month to get covered, and a deductible is the amount that the insurance doesn't cover, and you have to pay yourself if and when you have a doctor or hospital visit.