There are five factors that can affect Marketplace plan prices: location, age, family size, tobacco use, and plan category. Health status and gender DO NOT affect pricing.
Under the health care law, insurance companies can take into account only five things when setting premium costs.
States may limit how much these factors can affect premiums.
All Marketplace health plans cover the same list of essential health benefits. Insurance companies may offer more benefits than the minimum, which could also affect costs.