Starting on January 1 of 2014, insurance company will not be able to charge higher rates to people within the same age group based on their gender or health status -- said another way, you can't be charged a higher price for health insurance because you're a woman, or because you have a health condition. And, if you buy your own health insurance, your application for coverage cannot be declined because you have a pre-existing condition, or for any other health related reason -- beginning in 2014. And, insurers will only be able to price plans based on four factors: 1. Your age -- the oldest person can only be charged three times more than the youngest person for the same plan. 2. Where you live -- the price to deliver care changes from city to city and state to state 3. The size of your family 4. And your tobacco use -- a smoker can be charged up to 50% more for the same plan as a non-smoker.

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