How Much Does Health Insurance Cost Per Year? 
Health insurance rates are based on many factors , such as which state you reside in , your age , your health , your smoking status and of course , your age . Typically , the younger you are , the lower your premium . There are also many different types of health insurance , including catastrophic , comprehensive , short-term and student options . Naturally , the type of policy you choose will greatly impact the premium that you pay . In 2014 -LRB- Open Enrollment starts in October -RRB- , you will not have to answer medical questions when you apply , and you may be eligible for a federal tax subsidy that reduces your rate ... perhaps substantially . Policies -LRB- Platinum , Gold , Silver and Bronze -RRB- will be purchased through Exchanges -LRB- Marketplaces -RRB- in your state . An experienced health insurance broker can give you expert and unbiased guidance and simplify the process for you . Assisting with plan selection is another important advantage of using a broker 's help . 