US Medical Term · insurance
Premium
Prima
In 9 languages
| Language | Term |
|---|---|
| English | Premium |
| Spanish (Español) | Prima |
| Chinese (中文) | 保费 |
| Korean (한국어) | 보험료 |
| Vietnamese (Tiếng Việt) | Phí bảo hiểm |
| Filipino (Tagalog) | Premium |
| Portuguese (Português) | Prêmio |
| Thai (ภาษาไทย) | เบี้ยประกัน |
| Japanese (日本語) | 保険料 |
What it means
A premium is the monthly amount you pay to maintain your health insurance coverage, regardless of whether you use medical services that month. Premiums are paid to the insurance company and do not count toward your deductible or out-of-pocket maximum. Employer-sponsored plans often split premiums between employer and employee. Marketplace plans may qualify for Advanced Premium Tax Credits (APTC) that reduce monthly costs for eligible lower-income enrollees.
How to say it
Sentences a patient might use with a doctor, nurse, pharmacist, or insurer:
My monthly premium increased by $50 this year — can I switch to a cheaper plan?
Mi prima mensual aumentó $50 este año — ¿puedo cambiar a un plan más económico?
Does my employer pay any portion of my health insurance premium each month?
¿Mi empleador paga alguna parte de mi prima de seguro de salud cada mes?
I qualify for an APTC that will reduce my Marketplace premium to about $80 a month.
Califico para un APTC que reducirá mi prima del Mercado a aproximadamente $80 por mes.
Where you'll see it
Related terms
Related guide
→ US Guide: how us health insurance worksSources
Last reviewed: September 2026