How do age, gender, tobacco use and residency affect the price of health insurance?
The older you are, the higher the price of individual health insurance. For example, up to age 55, women are usually charged more than men. From age 55 to 65, health insurance tends to be more expensive for men. Tobacco use typically adds 20% to 40% to the cost of health insurance. Coverage is usually more expensive in urban areas than in rural areas. These pricing practices follow from statistical trends measured by health insurance companies.
