Anyway, these increases I’m banging on about are called loadings, and these loadings don’t kick in until you hit the grand old age of 34. So between the age of 25 and 34, most insurance costs are fairly balanced across the board.However, once you take out a health insurance policy over the age of 34 (i.e 35 to avoid confusion) the insurer will increase your premium by 2% for every year you are over 35. (I couldn’t figure out a simpler way of putting that, I’m sorry…I really tried!)But, and this is a biggie, these loadings are applied for a maximum of 10 years.