To maintain their insurance coverage, individuals must pay what to the insurance company?

The requirement for individuals to maintain their insurance coverage is through the payment of a monthly premium. A premium is the amount of money that an individual pays to an insurance company to keep their insurance policy active. It is a recurring cost, typically paid monthly or annually, and is essential for ensuring that the policyholder has access to the benefits provided by the insurance plan.

This payment is crucial since failure to pay the monthly premium can lead to a lapse in coverage, meaning that the individual would no longer be protected by their insurance policy. The premium directly contributes to the overall risk pool that the insurer manages, allowing them to fund claims made by policyholders.

In contrast, the other options do not represent the primary method of maintaining insurance coverage. A network fee could refer to costs associated with using specific healthcare providers within an insurance network, but it is not a universal requirement for coverage. A co-insurance payment is a cost-sharing arrangement where the insured pays a percentage of the claim after the deductible has been met, but this comes into play after the policy is active. A health savings contribution is related to funding a health savings account but does not directly pertain to maintaining insurance coverage itself.