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.
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.
| 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. |