Question 1

What is the average cost of health insurance?

Accepted Answer

Across all 51 U.S. jurisdictions, the average cheapest ACA Marketplace plan costs $356.80/month for a 30-year-old before subsidies, ranging from $52 in New York to $824 in Vermont. Most enrollees pay far less after Advance Premium Tax Credits (APTC) — most ACA Marketplace enrollees receive a subsidy.

Question 2

How much does health insurance cost per month?

Accepted Answer

Nationally, average pre-subsidy premiums run about $483.59/month for Bronze, $633.84/month for Silver, and $667.20/month for Gold plans, for a single 30-year-old. Your actual premium depends on your state, county, age, tobacco use, and household income.

Question 3

How much does health insurance cost for a family of 4?

Accepted Answer

ACA premiums are priced per person, not per household — a family's total cost is the sum of each member's premium (children are typically rated at a flat child rate, adults by age). A larger household pays more in total, but is also far more likely to qualify for an APTC subsidy, since eligibility is based on income relative to household size. Enter your household size and income in our compare tool to see your actual estimated cost.

Question 4

How much does health insurance cost for a single person?

Accepted Answer

For a single adult, the figures on this page — averaging $483.59/month for Bronze and $633.84/month for Silver — are a reasonable pre-subsidy starting point nationally. A single person's exact premium still depends on their age, state, county rating area, and tobacco status.

Question 5

Does health insurance cost vary by state?

Accepted Answer

Yes, substantially. The cheapest available plan ranges from $52/month in New York to $824/month in Vermont — driven by differences in state regulation, local provider costs, insurer competition, and Medicaid expansion status.

Question 6

How does age affect the cost of health insurance?

Accepted Answer

ACA insurers may charge older adults up to 3 times more than a 21-year-old for the same plan (the '3:1 age band'), with premiums generally rising each year of age. Tobacco users can be charged up to 50% more in most states. Figures on this page reflect a 30-year-old, non-tobacco user — use the compare tool for your own age.

Question 7

How can subsidies lower my health insurance cost?

Accepted Answer

The Advance Premium Tax Credit (APTC) lowers your premium based on household income relative to the Federal Poverty Level, applied directly to your monthly bill. Many households pay significantly less than the sticker prices shown here — some qualify for $0/month Silver plans. Cost-Sharing Reductions (CSR) can further lower deductibles and copays for eligible Silver plan enrollees.

State	Cheapest Plan	Avg. Bronze	Avg. Silver	Avg. Gold
Alabama (AL)	$384	$488	$637	$728	See plans →
Alaska (AK)	$575	$626	$916	$824	See plans →
Arizona (AZ)	$314	$410	$493	$587	See plans →
Arkansas (AR)	$316	$456	$731	$635	See plans →
California (CA)	LA $326	$415	$494	$568	See plans →
Colorado (CO)	$344	$410	$531	$488	See plans →
Connecticut (CT)	$282	$567	$717	$804	See plans →
Delaware (DE)	$416	$525	$674	$687	See plans →
District of Columbia (DC)	$223	$434	$494	$587	See plans →
Florida (FL)	$445	$565	$658	$709	See plans →
Georgia (GA)	$451	$603	$745	$835	See plans →
Hawaii (HI)	$264	$415	$517	$531	See plans →
Idaho (ID)	$190	$333	$468	$498	See plans →
Illinois (IL)	$331	$408	$577	$488	See plans →
Indiana (IN)	$353	$403	$485	$679	See plans →
Iowa (IA)	$271	$339	$455	$468	See plans →
Kansas (KS)	$392	$455	$615	$632	See plans →
Kentucky (KY)	$381	$464	$539	$615	See plans →
Louisiana (LA)	$360	$477	$656	$663	See plans →
Maine (ME)	$345	$522	$642	$708	See plans →
Maryland (MD)	$168	$308	$430	$408	See plans →
Massachusetts (MA)	$360	$558	$674	$754	See plans →
Michigan (MI)	$310	$412	$585	$657	See plans →
Minnesota (MN)	$302	$356	$422	$490	See plans →
Mississippi (MS)	$540	$602	$678	$895	See plans →
Missouri (MO)	$324	$401	$519	$496	See plans →
Montana (MT)	$317	$510	$714	$741	See plans →
Nebraska (NE)	$439	$548	$713	$733	See plans →
Nevada (NV)	$298	$389	$481	$583	See plans →
New Hampshire (NH)	$247	$355	$428	$488	See plans →
New Jersey (NJ)	$303	$495	$597	$903	See plans →
New Mexico (NM)	$347	$350	$567	$535	See plans →
New York (NY)	$52	$870	$1,127	$1,267	See plans →
North Carolina (NC)	$396	$485	$634	$676	See plans →
North Dakota (ND)	$263	$350	$504	$509	See plans →
Ohio (OH)	$353	$483	$590	$624	See plans →
Oklahoma (OK)	$279	$473	$613	$644	See plans →
Oregon (OR)	$379	$423	$495	$587	See plans →
Pennsylvania (PA)	$264	$372	$526	$535	See plans →
Rhode Island (RI)	$326	$390	$512	$570	See plans →
South Carolina (SC)	$343	$443	$578	$612	See plans →
South Dakota (SD)	$357	$516	$655	$688	See plans →
Tennessee (TN)	$485	$559	$725	$747	See plans →
Texas (TX)	$384	$474	$664	$599	See plans →
Utah (UT)	$444	$498	$637	$718	See plans →
Vermont (VT)	$824	$901	$1,423	$1,250	See plans →
Virginia (VA)	$277	$368	$486	$483	See plans →
Washington (WA)	$222	$474	$730	$591	See plans →
West Virginia (WV)	$544	$740	$990	$912	See plans →
Wisconsin (WI)	$430	$460	$594	$641	See plans →
Wyoming (WY)	$657	$785	$991	$957	See plans →

Average Cost of Health Insurance — 2026

Nationwide Average Premium by Metal Tier

Average Cost of Health Insurance by State

Health Insurance Cost FAQ

See Your Actual Cost, Not Just the Average