Most Americans are covered by private health insurance, which they either obtain through employment or purchase individually. Insurance premiums—the payments made to buy that coverage by enrollees or by other parties on their behalf—are high and rising. The Congressional Budget Office and the staff of the Joint Committee on Taxation (JCT) project that in 2016, the average premium for an employm...

∗Odjel za matematiku, Sveučilište u Osijeku, email: [email protected] †Farmeron d.o.o., Osijek, email: [email protected], diplomirana studentica Odjela za matematiku, Sveučilište u Osijeku Danijel Grahovac, Ana Leko Insurance companies have to plan their business so that at any time they have enough capital to pay off the arriving claims. As the claim amounts and the time of their occurren...