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Premium is something that the Firm pays the Carrier directly.

The Employee does not have any interference with it; not even in COBRA Coverage.

Now the something else could be: Benefit, Item, stock options, Time Off.

We understand that, the Premium is paid by the Firm.

Usually Health Coverage Plan types do not have Benefit amounts, these are more appropriate to Plan types like Life Insurance and Flexible Spending accounts.

Coverage amounts are usually set by the Carrier, so they are independent of Program.

There are many things that come into picture, the Benefit Amount upon which the Participant is enrolled, the Premium of the enrolment, the Employer Contribution and the Employee Contribution.

The Employer Contribution is simply "Premium - Employee Contribution".


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