Which of the following describes premiums in health insurance?

Premiums in health insurance refer specifically to the regular payments made by individuals or employers to maintain coverage provided by the insurance policy. These payments can be made on a monthly, quarterly, or annual basis and are essential for keeping the policy active. By paying premiums, insured individuals ensure that they have access to medical services and financial protection against high medical costs when needed.

The other options describe different aspects of health insurance but do not define premiums. The total amount paid after claims relates to out-of-pocket costs but is not the premium itself. The deductible is the amount an insured person must pay out of pocket before coverage begins, which is also separate from the concept of premiums. Lastly, the costs associated with medical tests pertain to specific medical expenses rather than the payments made for the insurance coverage itself. Thus, the definition of premiums as the regular payments for coverage aligns accurately with option B.