Who Pays For Private Health Insurance? 
The premiums for health insurance plans are generally paid by the insured individual - if it 's not paid by the insured person , it 's likely being paid by the person 's spouse or other family member -LRB- parent or child -RRB- . Under the Affordable Care Act , you may qualify for a subsidy , depending on your income level , that will pay for a portion of the premiums . 