Under Obamacare, depending on where you live and what kind of plan you select, the insurance rate you’ll pay will vary greatly. For example, a 40-year-old earning $50,000 and choosing the medium-priced “silver” plan would pay, on average, $328 a month. Some will pay a lot more, some a lot less, depending on their location. But addition to the state-to-state differences, rates vary from city to city within the state. In New York City, a 40-year-old making $50,000 a year would pay an average of $415, but upstate in Ithaca, N.Y., the average is $446, or $372 more a year.