Who pays for commercial insurance?

A. Commercial health insurance is usually paid for by the client’s employer, union, by the client and employer sharing the cost, or by the client. There is a difference between the rules that apply to government-sponsored health coverage and those that apply to commercial health coverage. (There are also differences between the rules that apply to different government plans, such as Medicare and Medicaid. Most people who have private health insurance coverage get it from their employer or union. This costs the client much less than buying his/her own health insurance as an individual. Unfortunately, not all jobs come with health insurance, and sometimes clients are between jobs. In these situations, clients may want to self-pay for insurance order to maintain it. People who work in civilian jobs for the federal, state, or city governments and get health coverage from their government employer are subject to slightly different rules. Even though the government is paying for their ...  more