The only factors are "location, age, tobacco use, plan category, and whether the plan covers dependents." Maybe some zipcodes drink more than others, but they

The only factors are "location, age, tobacco use, plan category, and whether the plan covers dependents." Maybe some zipcodes drink more than others, but they don't need to figure that out because they can just look at illness rates for the zipcode directly. Same for age and tobacco. https://www.healthcare.gov/how-plans-set-your-premiums/ https://www.healthcare.gov/how-plans-set-your-premiums/