Questions tagged [premiums]

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1answer
55 views

How does an option's premium depend on its strike price?

(NB: In this question's title, and elsewhere throughout this post, I have used the word "options" as a stand-in for both "call options" and "put options", for the sake of ...
-3
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2answers
99 views

Where can I find a highly detailed model for how a normal US health insurance companies sets premiums?

I found this, and it was a great starting point for research but I would like to learn about the nitty-gritty details. For example, obesity is not considered a "pre-existing condition" and is often ...
2
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1answer
71 views

Medical Insurance Premium paid by non-earning spouse - Tax Deductible?

My wife has been a non earning (looking for job) member of the family throughout this year, but has been paying for Medical Insurance Premium for whole family through her savings. She was getting ...
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1answer
52 views

Does option follow the market or investment made in it?

I have started doing option trading and as per my knowledge so far price of option rise or fall depends upon the delta (I am considering only delta for this example for brevity). For my question I ...
0
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1answer
616 views

Estimate a future option price given greeks and a 1$ move in underlying

Let us say underlying is at 50$, and the 50 call is at 0.50. delta=0.5, gamma =0.5, theta = .02, vega = .10. I apologize if these numbers are not realistic, I am very poor at Greeks. My question is: ...
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2answers
243 views

Option Premium paid vs received

I understand what is the premium on an option. In case I acquire an option, the premium is considered as the price I pay to have the "right" to exercise the option. In case I sell an option, the ...
0
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3answers
157 views

What prevents leveraged ETFs from exceeding their underlying value in times of high demand?

For example, today SPY decreased -3.17% and therefore the 3x Bear SPY ETF, SPXS, increased 9.85% - roughly equivalent to 300% inverse (310%). What if you somehow foresaw the decrease early in the ...
6
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1answer
191 views

ACA Premium Tax Credit - Claiming for prior year

At the start of the year I did not think I would qualify for the subsidy, but as things have turned out my income was less than the maximum. The health plan I used was available both through the ...
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2answers
297 views

Can I withdraw proceeds from covered call selling?

Suppose I have the funds to buy exactly 100 shares of SPY in a regular, taxable (i.e. not 401K or IRA) account. I then sell at or in the money covered calls one year out, say Jan 2019 calls. This ...
2
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0answers
426 views

Understanding Effect of Claim on Car Insurance Premium

I was in an accident where I was at fault (minor, no one hurt). The other driver has made a claim against my policy, so I am trying to figure out if it now makes sense for me to also make a claim for ...
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2answers
903 views

LEAPs are still long-term gains?

Do I have the following correct about LEAPs and long-term gains? If I write a put option that expires in 18 months, it is a LEAP. I get the premium once the position is opened. I close out the ...
2
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1answer
2k views

India - Claim missed LIC premium in declaration

I had to submit LIC premium paid receipts with my employer by December. One of the premium I could pay only on February and this was not considered for the last financial years' tax deduction ...
3
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1answer
273 views

Mortgage Company Holding insurance premium payment til repairs made

I am 70 years old and not in good health and do not know what to do to get my problem solved. My home was damaged by Hurricane Irma Damage estimate: $7500 My deductible was high: $13,200 So I ...
7
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4answers
9k views

Is the contribution towards Employment Insurance (EI) wasted if I never get fired, or are my premiums refunded?

Is the contribution towards Employment Insurance (EI) wasted if I never get fired? I ask this because most life insurances have a policy of a payout at certain intervals. Does anything like that ...
0
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1answer
95 views

What is the normal rate of increase for automotive insurance premium costs?

Assuming no change in driving status (i.e. no additional accidents / issues) what is the normal expected rate of increase in insurance cost for my automobile? The obvious answer would seem to be the ...
2
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1answer
95 views

Should I Change my Return on Premium Life Insurance Policy

I currently have a Return on Premium (RoP) life insurance policy. I've already got $3,500 paid into the policy, and another 26yrs till the policy pays out. I'm currently paying $72/month. The reason ...
1
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1answer
534 views

Work as a contractor for my current employer rather than become a full time employee after my graduation for health insurance continued coverage

I intend to run my side business full time soon and was wondering whether it would be prudent to continue to be a contractor for my current employer rather than become a full time employee after my ...
3
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1answer
748 views

Can an employer refuse to remove a spouse who recently acquired their own health insurance coverage?

My spouse recently took a new position with benefits. Where I have been providing benefits through my employer I contacted them and ask to remove my spouse. At first, they said not a qualifying ...
8
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3answers
11k views

Do futures have premium in the price, just as options do?

Looking at Wikipedia's the pricing of futures, I wonder if entering into a futures contract requires one to pay premium just as entering into an option contract? In other words, is the premium of a ...
4
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1answer
178 views

How is the obamacare tax credit calculated?

In the first 9 months of this year I had a relatively high income. However, I have no income since October. I used to have health insurance from my employer but now I am trying to get health insurance ...
0
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1answer
763 views

If early exercise is a bad idea, why American option is more expensive than European [duplicate]

American options are more expensive than European options because they give the buyer the right to early exercise. But in a low interest environment, early exercise is a bad idea, for most retail ...
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1answer
298 views

What does an options premium really mean?

I am taking a derivatives class at college, and I am getting slightly confused about how to understand options premiums. I have a couple of questions, specifically on this slide presented in class: ...
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2answers
171 views

How can I find stocks with highly priced option premiums?

I'm trying to learn some basic arbitrage and I'm reading about tons of different strategies, but it looks as though option premiums are often less than $0.10.