It can be as high 20 to 25 cents on the dollar for administrative costs.
When medical care costs go up, premiums need to keep pace with them.
They key to keeping premiums down is to be accountable about your health, make healthy choices and be pro-active about any conditions you may encounter. Healthier people don't consume as many medical resources and premiums are moderated as a consequence.
In general it's an exclusion.
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