The federal Health Insurance Marketplace offers s various platinum plans, as well as providers organizations (PPOs).

9. Age: As policyholders get older and their health insurance premiums rise, with the highest increases occurring after age 55.

10. Tobacco smoking: Smokers have to pay for premiums that can be 50 percent or more.

Deductibles: A deductible is the amount you’ll have to pay for your health insurance prior to it contributing toward medical bills. It could be $500, $1,000, or even more than $6,000 in value.

The deductible could be a total amount to certain insurance plans. You might have to pay all the cost for doctor appointments or medical care until your deductible is met. Following that, the health plan will pay the cost of covered services. Based on the policy of your insurance the care you receive will be covered through copays, coinsurance, or coinsurance or both.

For other plans, various deductibles may apply to different forms of treatment. Your plan may pay an amount if you go to doctors that are part of the network.

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