Peter Lee, executive director of Covered California, the state agency running the state's new health exchange, announced the plans and prices that will be offered by private insurers on May 23. Rich Pedroncelli/AP hide caption

itoggle caption Rich Pedroncelli/AP

Chick-Fil-A employees Jennifer Cummins, right, and Joshua Figaretti work out in the gym during lunch at the company's corporate headquarters office in Hapeville, Ga. Increasingly employers are offering health plan incentives to encourage healthy behaviors from workers. Ric Feld/AP hide caption

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Patients say they feel little personal responsibility for keeping health costs lower. Andrei Tchernov/ hide caption

itoggle caption Andrei Tchernov/

Rates for female applicants could be up to 40 percent higher under Genworth Financial's new pricing policy. hide caption

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The health services offered in 30 years may not be explicitly covered by the long-term care insurance you buy today. Pamela Moore/ hide caption

itoggle caption Pamela Moore/

Health insurance plans that require consumers to pay more in out-of-pocket medical expenses may have hidden costs. hide caption

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Child-only policies can be critical to some families, including those where an employer doesn't offer dependent coverage. hide caption

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Not many elderly people get long-term care insurance. It's expensive and many hope their kids will look after them instead. hide caption

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