What Health Insurance Should I Get? 
Figuring out what health insurance you should get depends on several factors - mainly how much risk are you willing to take on and how big of a check are you willing to write . You have the options for bronze , silver , gold , and platinum level plans -LRB- as you go up in metal , the price goes up , but provides better benefits -RRB- - some areas also have a catastrophic plan available . In addition , your age is a big factor as well . The younger you are , the cheaper your premium - the older you are , the higher your premium . Also , if you use tobacco products , your premium can be increased up to 50 % as well . 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.This is where an independent insurance agent can really help you . They can work with you to look at a wide range of options from many of the top carriers in the industry . So , in short , If you want to have better protection and take on less risk , you may want to look at a gold or platinum plan . If you want to simply keep your premiums down and do n't mind taking on more risk , you may want to look at a bronze or silver plan . 