How Much Does Blue Cross Health Insurance Cost? 
Under the new Affordable Care Act , each individual health plan is guaranteed-issue , meaning you can not be declined for health insurance for a pre-existing condition or other health-related issue , nor charged a higher amount -LRB- e.g. level 1 rates , level 2 rates , level 3 rates , etc. as it was under the old structures -RRB- . Your premiums are now based on the type of plan you have -LRB- e.g. bronze , silver , gold , or platinum -RRB- , your zip code , whether you use tobacco products or not , and your age - premiums will vary by carrier . You will need to consult with a health insurance agent/broker to find out what the premiums are for health plans in your area . 