How much should my insurance plan cost?
It depends. Policies that cover more tend to cost more. In addition, in most states, premiums for individual health insurance depend on your health status, age, gender, and other characteristics.
Under the Affordable Care Act, this will change. Starting in 2014, new individual insurance policies (and job-based plans) won’t be allowed to charge you more based on your health status, pregnancy, or disability. Also, insurers won’t be allowed to charge you more based on your gender, and there will be limits on how much premiums can vary based on age.
For job-based health plans, it’s up to employers to decide how much of the premium to pay on behalf of you and your family. Your employer will tell you how much of the premium for health coverage you must pay.