How Much Does Full Health Insurance Cost? 
If you 're an individual buying on or off the exchange -LRB- and not securing group coverage through an employer -RRB- , you need to consider the level plan you want . There are four metal plans : bronze , silver , gold , and platinum . Bronze plans generally cover about 60 % of your healthcare expenses , Silver is 70 % , Gold is 80 % , and Platinum is 90 % . So , in short , the better the benefits that you want to have , the higher the premium will be . There 's also a catastrophic plan , but these are only available to individuals under age 30 . There are many factors that go into the pricing of a product for a specific area . Everyone 's tolerance for cost is different as well . I recommend contacting an independent broker to help get yourself set up with a health insurance plan . 