Up to date, there is no legislation that addresses the health insurance cost. The total cost of the health insurance is depend on the age, pre-existing condition, income and etc. When you apply for a health insurance, you are required to pay a monthly premium fee. The premium is paid to the insurer so that he can provide coverage for your health expenses. Some of the common expenses covered in health insurance include hospitalizations and prescription drug.
If you work with a company, your employer will deduct the premium from your paycheck. Self employed people have to buy their own health insurance and pay the premium by themselves. In addition, you have to pay for the deductible. The deductible payment for a low cost health insurance plan is about $4000 - $5000. The insurance company will only offer compensation if you finished paying the deductible.

If you signed up with HMO plan, you are entitled to a copayment of $15 - $35. The copayment is used to pay for the general practitioner visits and drug prescriptions. PPO policy holders have to pay higher fees compare to the HMO policy holders. The co insurance payment is paid when the patient use a doctor that is from outside the network. PPO policy holders also pay a copayment of $15 – $45 per year.

When shopping for health insurance, make sure you get quotes from different companies. There are many online health insurance search engine that allow you to compare different carriers. The state insurance department will publish a list of health insurance companies in the website.