Best Health Insurance Rates For Individuals

The cost that you pay for coverage may change each year, depending on your renewal premium. The main factors that determine that premium, are where you live, your age, the size of your household, and whether you smoke. States like New York, New Jersey and Connecticut still cost more than Ohio, Indiana, Pennsylvania, and many other states in the Midwest.

But several national and smaller regional companies offer policies in most parts of the country. The result has been more affordable and innovative private policy options. Each state utilizes the federal or their own "Exchange, " where highly-rated insurers and occasional Co-operatives offer coverage.