How Much Is Health Insurance?
Individual health insurance averages $456 per month in 2026. Family coverage averages $1,152 per month. Use the estimator below to find your personalised cost based on age, state, plan type, and household size.
Health Insurance Cost Estimator
Estimate your monthly and annual health insurance premium for 2026
Enter your gross household income to estimate ACA subsidy eligibility
Estimated Monthly Premium
$399
Before any ACA subsidies or employer contributions
Annual Premium
$4,788
Full year cost before subsidies
ACA Subsidy
Enter income
Add your income above to see subsidy estimate
Metal Level Comparison
ACA marketplace plans are grouped into four tiers. Higher metal levels have higher premiums but lower out-of-pocket costs when you use care.
$328/mo avg
Healthy individuals who rarely use care and want the lowest premium
$456/mo avg
Most people - especially those who qualify for cost-sharing reductions
$556/mo avg
People with chronic conditions or regular prescriptions
$647/mo avg
Heavy healthcare users who want predictable, low out-of-pocket costs
Marketplace vs employer coverage
If your employer offers health insurance, it is usually the most affordable option. The ACA marketplace is best for self-employed workers, part-time workers, and those whose employer does not offer coverage. Compare both options before enrolling.
How HDHP plans save money
A High-Deductible Health Plan (HDHP) can cut your monthly premium by 30-40% compared to a PPO. You pair it with a Health Savings Account (HSA) where contributions are tax-deductible. If you are generally healthy and rarely visit the doctor, HDHP plus an HSA is often the most cost-effective combination.
Cost-sharing reductions explained
If you earn 100-250% of the Federal Poverty Level and choose a Silver plan, you automatically qualify for cost-sharing reductions (CSRs). These lower your deductible and out-of-pocket maximum significantly. A Silver plan with CSRs can provide Gold or Platinum level coverage at a Silver price.