How Much Does A Good Health Insurance Plan Cost? 
If you purchase your own health insurance -LRB- called an Individual/family plan -RRB- , it is rated according to your age , gender , location -LRB- county or state -RRB- , tobacco usage , and the family members that you wish to cover . Currently , a rate-up can be added for certain pre-existing conditions , but those rate-ups are not allowed after 1/1/2014 . The cost usually goes down if you choose a lower deductible or lesser coverage . However , cheaper plans are not always better . Be sure to contact a licensed agent in your state who specializes in health insurance to help you select the plan that fits your needs and your budget . 