there are a lot of factors that go into the price of insurance - how much competition there is in the area how many hospitals and physicians are in a given area and how strong their bargaining power is how sick the people are that the insurance company enrolls etc. however many of the policies offered through the marketplaces/exchanges actually have lower premiums than many experts expected. you should try shopping on your state's marketplace to see what the premiums are. if you have low income you also may qualify for a subsidy.
why is private health insurance so costly?