Insurers can't consider your health status, medical history, past claims, or gender in determining your premiums.
For employer-sponsored health plans, the rules vary based on whether the employer is classified as small (typically defined as one to 50 employees) or large (more than 50 employees).
Insurers can consider participants' ages, tobacco usage, and business location when setting group premiums for small groups. However, they can't consider the group's medical claims history, participant health status, or the industry or business type of the group. In setting rates for large groups, though, insurers can consider the group's past medical claims and the type of business.
Most employers pay a portion of premiums, so getting a healthcare plan through your or your spouse's job is often the cheapest way to get coverage.