Accident & Health Insurance Insurance: Average Premiums & Pricing Factors
Quick Answer
How much does Accident & Health Insurance cost? Average premiums by business size, industry, and state — plus the key factors that drive your rate up or down.
Comprehensive FAQ, cost guide, and claims examples for accident and health insurance — supplemental coverage for medical expenses, disability, and accidental injury benefits.
What You Need to Know
Accident and health insurance provides supplemental coverage for medical expenses, disability benefits, and accidental injury benefits. It covers costs not paid by primary health insurance, including deductibles, copays, and out-of-pocket expenses. Common for employers offering employee benefits packages.
Accident & Health Insurance Cost by Business Size
| Business Size | Annual Revenue | Typical Premium | Notes |
|---|---|---|---|
| Individual (Basic) | N/A | $15–$30/month | Low accident benefit ($5K–$10K), minimal health coverage. |
| Individual (Standard) | N/A | $30–$60/month | Moderate accident benefit ($25K), includes disability income. |
| Family Plan | N/A | $50–$100/month | Covers all family members, higher combined limits. |
What Determines Your Premium?
- Coverage Amount (High impact) — Higher benefit limits increase premiums proportionally. $10,000 accident coverage costs less than $50,000 coverage.
- Age (Medium impact) — Older applicants typically pay 20–50% more due to higher risk of health claims.
- Occupation (Medium impact) — High-risk jobs (construction, manufacturing) may have higher premiums or limited coverage.