Americans spend enormous amounts of money on healthcare every year and costs continue to rise. Part of this increase is due to government policies and the creation of national programs such as Medicare and Medicaid. There are also short-term factors, such as the 2020 financial crisis, which are driving up the cost of health insurance.The method of calculating the insurance premiumCalculation of the formula. Insurance premium per month = monthly insurance amount x insurance premium rate. ...Contribution to the country in the period from October 2008 to December 2011. ...From January 2012, the base for calculating the contribution was changed to daily.