A recent analysis by Premier Inc., published by the UC Berkeley Center for Long-Term Cybersecurity, delves into the economics of cyber insurance policies for hospitals, highlighting significant disparities in premium costs. Authored by Aden Klein, Premier's Legislative and Policy Analyst, the report examines data from 116 hospitals across ten health systems. It reveals that smaller hospitals face disproportionately higher premiums per bed, with costs ranging from $75,000 to $3.2 million. While the average premium is $676 per bed, systems with fewer than 1000 beds pay $818 compared to $369 for larger systems with 1000 to 2000 beds. Furthermore, 80 percent of respondents reported caps on insured losses below $40 million, which may be inadequate for widespread attacks. The findings suggest that hospitals are investing in cybersecurity measures to qualify for insurance, but gaps remain. The report recommends policy solutions like a federal cyber insurance backstop and pooled insurance programs to redistribute risk, lower premiums, and enhance cybersecurity practices, ultimately aiming to strengthen healthcare providers' defenses against rising cyber threats.