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8. Plan type The most costly plans include preferred platinum plans as well as provider organizations (PPOs) that are offered through the federal Health Insurance Marketplace.

9. Age: The biggest increases in health insurance premiums occur in the years after 55.

10. Smokers of tobacco have to pay for premiums that can be as much as 50%..

Deductibles: Deductibles are the amount you will have to be able to pay prior to the time your insurance company covers your medical expenses. It may be $500, $1,000, or even greater than $6,000.

The overall deductible might apply to certain plans. It is possible that your deductible will require you to pay the full costs of medical visits as well as services. Following that, the health insurance company will start paying its portion of the covered costs. The insurance policy you have will decide which coinsurances or copays you will pay for.

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