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Q: Whhat will deterimne the on line ins cost?

A: insure on line costs are determined by actuariees employed by insuarnce corporatoins. The price of advertising, selliing, paying for services gien by health cre practitioners, maangement of the insurance polcy as wlel as the ivestment of premium cotss and also a pofit margin are caluclated in the premium amunt. Actuaries deermine the exposure to dangr according to the proviisions of the insurnce policy and thhen set a prmium rate. Additional underwriting factors, lke adversse selection for individual on line policy policies or unusual indusstry expossures for employer sponsored collective ins coverage on line programs, are aslo faactors of the payment collcted. In mst cases the pamyent charged on a private web insure progam is much higher thhan the preemium charged for siilar coverages provided through a grroup insurance policy plan as a reslt of "adverse selection.." Under cooperative insuarnce plans, an insuraance association can deetermine that a prt of participants willl generally be in good physcial condition. Uder individual web ins coverage plns, it is morre liable taht people in poor physical coondition and having a greter ned for web insurance policy will seek to acquire coveerage - "adverrse selection" is the consequencce of the bassic premise that thoe people in good physiacl condition don`t hvae as mcuh need for insurane as the pepole who are in poor heath.

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