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

itoggle caption Ric Feld/AP

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

itoggle caption Andrei Tchernov/iStockphoto.com

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

itoggle caption Pamela Moore/iStockphoto.com

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

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