1. 15645 POINTS
    Edward HarrisPRO
    Owner, Best Health And Car Insurance Rates - Instant Online Quotes, US
    Health insurance for individuals is available from almost all major health insurance companies. The cost is based on many factors including your age, zip code, height/weight, smoking status and health conditions.

    Monthly rates could be as low as $22 for a young person covered on a short-term plan. However, the rate could also be several hundred dollars per month (or much more) if you were older and had some serious health issues.

    In 2014, health conditions will not be used in determining the rate you pay. Also, a federal tax subsidy will be available for those that qualify. State Exchange Marketplaces will be operational in each state.

    An experienced broker and also a very reputable website can provide specific prices and quickly determine the best plans for you. There is no cost or fees when a broker is used. Myself, like all other agents/brokers never charge any fee.
    Answered on May 2, 2013
  2. 20 POINTS
    Tim Sipma
    Owner, Sipma Health and Wealth, Des Moines, IA
    Unfortunately there isn't a one-size-fits-all answer to this.  Individual insurance rates vary widely due to many factors including age, height/weight, current health status, tobacco usage.  They also vary widely between insurance carriers and states.  

    Insurance rates are set after approval by your state department of insurance.  Insurance carriers must get approval for the rates and rate increases that they propose.  After they are set, there isn't a way to get cheaper rates.  This is important to understand because health insurance professionals can provide you with valuable information at no additional cost.  The best source of information is through a local health insurance professional that contracts with multiple insurance carriers.
    Answered on May 4, 2013
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