Most health insurance projects cost between $200 and $800 per month, with a typical price near $450. Prices vary by state and city, so the range below is a planning guide rather than a quote.
Typical health insurance cost
$200 – $800
per month · typical $450
A general planning range, not a quotation.
Health insurance cost breakdown
- Bronze plan$150 – $400typical $250
- Silver plan$300 – $600typical $450
- Gold plan$450 – $900typical $650
What Health Insurance costs
Monthly cost for individual health insurance in US/Canada. Subsidized marketplace plans start at $200; unsubsidized plans can be $800+. Employer coverage averages $450.
Costs by state
- Alabama
- Alaska
- Alberta
- Arizona
- Arkansas
- British Columbia
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Manitoba
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Brunswick
- New Hampshire
- New Jersey
- New Mexico
- New York
- Newfoundland and Labrador
- North Carolina
- North Dakota
- Northwest Territories
- Nova Scotia
- Nunavut
- Ohio
- Oklahoma
- Ontario
- Oregon
- Pennsylvania
- Prince Edward Island
- Quebec
- Rhode Island
- Saskatchewan
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
- Yukon
Frequently asked questions
How do deductibles affect premium costs?
Higher deductibles (e.g., $5,000) lower monthly premiums. Lower deductibles increase premiums but reduce out-of-pocket when you need care.
When is open enrollment for health insurance?
Typically November to mid-December each year. Special enrollment periods exist for life changes like marriage or job loss.
What is the out-of-pocket maximum?
The most you pay per year for covered services. For 2025, maximum is $9,200 individual, after which insurance pays 100%.