How Do Health Insurance Companies Determine Premiums? 
In today ; market , Health Issures have to offer Essential Health Benefics each state may have defferent plans , but they must meet the Qualified Health Benefits for that state . There are five levelsthat the Marketplase has to offer . Every state does not offer all levels , but they must offer at least two . The Affordable Care Act wiil moniter Insurance Issuers to make sure that the Insurance Issues have Essential Health Benefits in place for that State . You may be elligible for tax credits or cost sharing , in some cases you may not have to pay premiuns . It is important to look at all of your option . You can get insurance in the Marketplace or outside of the Marketplace . Remember premiums may be based on what state you reside in . Good luck in your endevor . Remember we all should have coreage availible to us . 