How Much Does Long Term Health Insurance Cost? 
I 'm unsure exactly of whether you are referring to regular health insurance or long-term care insurance . Either way , the cost of coverage under both types of insurance will vary from person to person . For health insurance , your age , where you live , if you use tobacco products , the carrier you purchase through , your plan metal level , and if you qualify for a subsidy to reduce your premium will determine how much a good policy is going to cost . Under the Affordable Care Act , you have the options for bronze , silver , gold , and platinum level plans -LRB- as you go up in metal , the price goes up , but provides better benefits -RRB- - some areas also have a catastrophic plan available . In addition , your age is a big factor as well . The younger you are , the cheaper your premium - the older you are , the higher your premium . Tobacco usage can increase your premiums up to 50 % as well . If you 're referring to long-term care coverage , a number of factors can affect the cost of the policy such as your gender , where you live , the monthly benefit of the policy , the policy 's benefit period , any discounts when spouses apply together , etc. . It 's always helpful to consult with an experienced insurance broker who can work with you on a personal level and help you determine which plan will work best for your specific needs . I hope the information is helpful - please feel free to contact me for help with your coverage or if you have any other questions . Thanks very much . 