Insurance premiums depend on a number of factors. The first factor considered is where you get your insurance coverage. If you enroll in group insurance through your workplace, your premiums will be the same as other employees’ at your organization who enroll in the same plan. If you purchase individual insurance coverage, your premium payments may be determined through the process of , which examines key parts of your background (including financial and medical details). A provider of individual insurance policies will take your regular activities, history, and risk level to the insurance provider into account when determining your premiums. For example, individual health insurance policies will consider your multiple factors for your premium, including: Habits and activities Health history Pre-existing conditions