Age of the insured. Rates generally rise as the policyholder ages. Children 14 years of age and younger cost a flat rate until they turn 15 years old. 

Location. Different states and even zip codes charge differently for health insurance. This is in part due to the health expense cost in your area. For example, the average cost of health insurance in Texas is around $374.49 a month while Vermont residents pay an average of $529.71 a month for the same health insurance. Keep in mind that rates may also change between providers, and not all providers are available in every state. 

Smoking or tobacco use. Smoking and using tobacco can have severe effects on your health, meaning you’re more likely to need health services. Policyholders who smoke or use tobacco often face higher premiums. If you quit smoking and notify your insurance provider, you may see a drop in your health insurance premiums after a certain amount of time. 

Coverage limits. Every person is different and has different health insurance needs. It’s important to consider your and your family’s specific health insurance needs to guarantee you end up with the right policy. Also, be aware of common exclusions on health insurance policies. Many do not include dental insurance or cover cosmetic surgery.