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- Insurers are no longer allowed to charge more for pre-existing conditions but they will take into account your age, family size, where you live and whether you smoke when determining your premium. There are four main categories of insurance sold on the marketplace ? bronze, silver, gold and platinum ? depending on how much of the costs you are expected to share. A fifth type of insurance, catastrophic, is only available to those under 30 and those who can?t find coverage that is less than 8 percent of their income.