Private Health Insurance is a relatively new phenomena in Norwegian health care. This study investigates which variables influence having PHI and to which extend PHI is preferred compare to other fridge benefits. I check whether socio-economic factors like education, marital status, personal income and type of work also age, gender and personal attitudes toward PHI have any meaning for my dependent variable in my questionnaire.The analysis is performed is a logistic regression in SPSS and all the results can be found in descriptive and regression statistics.Surprisingly enough the only meaning have variables like risky job, access to information about PHI and gender (young men). As for the fridge benefits, PHI is the third preference out of five presented in the questionnaire.It looks like Norway with its developed welfare system made a step toward market oriented system-existence of PHI. It is also challenging to observe how both the market and different groups adjust to it.