How Much Is Health Insurance Monthly? 
There 's many factors that drive the premiums for a person 's health insurance including : 1 -RRB- Their age 2 -RRB- Zip code 3 -RRB- Tobacco user or non-tobacco user 4 -RRB- Plan level -LRB- bronze , silver , gold , or platinum - catastrophic is available for individuals under age 30 -RRB- 5 -RRB- The insurance company you want to apply with -LRB- each one will offer different rates -RRB- Prior to the new rules under the Affordable Care Act , gender used to be a contributing factor in rates as women generally used benefits more than men . Plans on the marketplace today have to offer unisex rates . It 's important to review your coverage with an independent insurance agent/broker so you can review plans from multiple carriers rather than just one . Independent agents/brokers will have the knowledge to help you find the health plan that 's suitable to your needs and your budget . 