How Much Does High Risk Health Insurance Cost? 
The average cost in the country for a health insurance plan is $ 328 per month - however , this is only reflective upon a silver level plan -LRB- not all 2014 state figure averages are available yet -RRB- . While you can try to come up with an `` average '' cost , there 's too many factors that go into premium pricing to say how in relation that compares to you . In short , an `` average '' premium is a rather useless figure to the individual . It 's only representative to a large group - you could have people paying a small nominal amount -LRB- after factoring in subsidies -RRB- per month to several thousand dollars per month . Even for that there 's a ton of information to sift through to get an accurate representation . 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- . If you 're an individual buying on or off the exchange -LRB- and not securing group coverage through an employer -RRB- , you need to consider the level plan you want . There are four metal plans : bronze , silver , gold , and platinum . 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 . There 's also a catastrophic plan , but these are only available to individuals under age 30 . Your premiums are now based on the type of plan you have , your zip code , whether you use tobacco products or not , and your age - premiums will vary by carrier . You may also have a subsidy available to you to reduce the cost of your health insurance premium . There are many factors that go into the pricing of a product for a specific area . Everyone 's tolerance for cost is different as well . I always recommend consulting with an experienced broker to help you determine the plan that 's going to be suitable for your needs and budget . Please let me know if I can be of further assistance . Thanks very much . 