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7. Your state: There could only be one plan in your area, but other plans offer a variety of options to lower costs.

8. Type of plan Most expensive plans are platinum preferred plans and the provider organizations (PPOs) via the Federal Health Insurance Marketplace.

9. Age: The most significant increases in health insurance premiums occur after the age of 55.

10. Tobacco consumption: Tobacco smokers will be able to enjoy premium increases up to 50%.

Deductibles: Deductibles determine how much you will have to pay for your health insurance plan before it is able to contribute towards your medical bills. It could be $500, $1,000, or even greater than $6,000 in value.

The deductible could be a total amount for certain plans. It is possible that you will have to cover the entire cost of medical appointment or medical treatment until you have met your deductible. Following that, the health plan begins paying its fair share of covered costs. Your insurance plan will determine which portion of your coverage you will receive.

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