The individual market for insurance in 2014

   If you cannot obtain insurance through your employer or through  your spouses employer then the individual market will provide the same coverage as your would get through a group policy. With Obamacare, policies will still be regulated by the states, but the policies are required to provide minimal essential benefits, such as mental health and maternity coverage, the bad news is it will cost more because it has the taxation of health insurance and overhead allowances to insurance companies.

 Finally, price is determined only by four criteria:

1. Age – older people will not pay more than three times the amount younger people pay.
2. Premium rating area – high cost health areas will have more expensive insurance than low cost areas.
3. Number of family members getting coverage.
4. Tobacco use – this is the only lifestyle factor that is allowed to be considered.