If you are planning to buy a house in 2013, you should consider doing it sooner than later. FHA is planning to change the terms associated to mortgage insurance premiums (MIP) this year. Since 2001, once your loan reaches 5 years / 78% LTV, MIP was dropped. This will no longer be the case. The MIP will remain a part of the loan for its lifetime. This can be up to 30 years. This will add significant costs to your home mortgage loan.
Read the official document HUD documentation for more details.