Prices are set and determined by insurance companies, generally on a state-by-state basis. Premiums for group policies cannot vary based on your health status, age, gender or other factors unless you are purchasing a "Basic and Essential" health plan.
However, there are some options available that can help you reduce the cost of your health insurance although most of these options will increase your out-of-pocket expenses and should be carefully considered and used only in appropriate situations.
