DENVER — Coloradans without health insurance are finally finding out what it will cost them to comply with the insurance mandate taking effect next year.

The Division of Insurance released rates Friday of plans that comply with the health care overhaul. Eighteen insurance companies will offer 541 separate plans for individuals and small groups.

For a 40-year-old customer, monthly premiums will range from $177 a month to more than $1,000 a month. The wide range of rates is because premiums depend on the level of coverage and where in the state a person lives. By 2015, insurers will also be charging different rates for smokers and nonsmokers.

Colorado opens a marketplace Oct. 1 to help customers shop for insurance. Most people will qualify for government subsidies to help pay premiums.