Motorcycle Insurance vs Car Insurance: What You Need to Know

https://www.insuracarelife.com/blog/motorcycle-insurance-vs-car-insurance/

Individual health insurance premiums are calculated based on the type of plan you choose, your age and location, and whether or not you smoke. For employer-sponsored group health plans, insurers can use the company's medical claim history to determine the cost of the premium for each employee.
The funds from these investments can also help cover the cost of any eligible claims or overhead expenses that may be incurred by the insurer.