In health insurance, two major factors affect policy premiums or rates. The first major factor is your family health or personal health history. The second factor is age.While calculating the life insurance premiums and health insurance premiums, the insurance companies, consider family history and personal health of the individual, as the major contributors. Most health insurance companies request urine samples and blood samples to ensure that there are no pre-existing health problems.Most insurers offer policies with higher premium amounts to people, suffering from heart disease, diabetes, cancer, high blood pressure and other health risks.People who have perfect health can observe that the standard term policy may have more premiums simply, because such policy covers most health risks. This policy is good for those people, who do not have time to lower their risk factors and can afford to pay huge premiums.Thus, before applying for policy, people can check out various online quotes that can help them to locate a guaranteed issue policy. Moreover, people can also refer to FAQ’s to see, what factors they need to consider while obtaining an ideal health coverage plan.Unfortunately, even though policyholders can have low insurance premiums, family history and health are not always controllable. Therefore, such people may have to pay high premium amount.Some Statistics:In the early part of the decade, typical health insurance premiums skyrocketed with an annual growth of 10.8 %. In the year 2003, the premium growth shockingly remained strong, before it decreased to 8 % in the year 2004. Right from the year 1982, health insurance premiums have registered an average 7% annual growth. For health insurance premiums, volatile business cycle is very typical thing.In the year 1992, health insurance constituted 6.3 % of the employee compensation for the private industry employers. In the month of September 2007, health benefits comprised a large portion of employer provided benefits. This included 7.1% of the entire compensation. This made health insurance the largest compensation share for employers having an excess of 500 employees.The moment the costs escalated, most employers passed their increased premium on to their employees. This has really just shifted the problem.Conclusion:An aging population has a significant impact on the future of health care industry in the United States. In terms of pharmaceutical treatment, in-patient care stays and physician visits, the elderly are the most high-cost demographic groups.The main cause of rising health insurance premiums are the aging population. An aging population creates huge problems in terms of the Medicare Program, since it attempts to fund the services of at least 22 % of the total population.It is important for people, to pay their monthly premiums on time. Some insurance firms also provide discounts for such people. Secondly, it is also essential that the policyholders compare various health insurance plans. Thereafter, they can select the best plan amongst them all.Health insurance has become an extremely important issue in America due to spiraling health costs. Thus, easy to pay typical health insurance premiums can ensure coverage for majority of American population.If you need to cover your own health care cost consider getting a free quote to see if you could save money. You can get them free instantly by simply visiting one of the sites below.