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9. Age: As the policyholder gets older the rates for health insurance are able to increase. The highest increase occurring at the age of 55.

10. Consumption of tobacco: Smokers are subject to premium hikes of 50 percent or more.

Deductibles: A deductible can be described as an amount that you are required to be able to pay prior to the time your insurance company covers your medical expenses. It may be $500, $1,000 or more than $6,000.

The deductible could be a total amount for certain plans. It is possible that your deductible will require you to pay the full expense of medical treatments and services. Health insurance will start covering a portion of services that are covered. The insurance policy you have will decide which copays or coinsurance you’ll be responsible for.

Different deductibles may be required for different types of health care provided by other plans. If you are seeing in-network providers, the plan might be able to begin covering your health care sooner. In the beginning, before the plan can pay for out-of-network health care, you could be required to pay additional

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