Whether you are in charge of a family or alone and in charge of yourself, most of us have a budget. Every month we hold ourselves accountable for rent, utilities, groceries, car costs, credit card bills, and much more. While some of these obligations are easy to guess, the cost of medical care can be a little complicated.
Below are several factors that affect healthcare premiums and will help you determine how much health insurance costs each month.
How much is health insurance per person per month?
Monthly premiums for Affordable Care Act (ACA) Marketplace plans vary by state and may be reduced by subsidies. The average national health insurance cost per person in the 2022 Affordable Care Act (ACA) plan is 8 438.1
Wondering how insurance premiums are determined? The Affordable Care Act ensures that insurance companies cannot discriminate on the basis of gender, current health status, or medical history. Here are the reasons for fixing health insurance premiums:
Age
Although some states, especially New York and Vermont, do not use age when determining health insurance premiums, this is a major contributing factor for most states.
The age of 21 is used as the base age, the premium cost is their upward adjustment for the thirties, forties, fifties, and sixties. By age 53, the premium rate has more than doubled over the base rate.
Tobacco
Tobacco use will affect how much your health insurance costs each month. In fact, health insurance companies can charge smokers up to 50% more than non-tobacco users. Although some states have decided not to allow insurance carriers to charge smokers the maximum allowable charge, tobacco use still affect prices.
Location
The location also affects the price of premiums, mostly due to the amount (or lack) of competition in a particular area or region. Although competition can be fierce in densely populated areas, there may be only one or two insurance companies in rural parts of the country, which makes the price higher for these residents.
Planning Department
Finally, the plan of your choice will also affect the average health insurance cost per month. Plans are divided by metallic layers: Bronze, Silver, Gold, Platinum, and Catalyst. Each carries a separate premium based on what percentage of the overall healthcare costs they cover. Premiums are also affected by the plan’s deductibles, coupons, coinsurance, and family members on the plan.
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How much does health insurance cost per month in each state?
The national average health insurance premium for a benchmark plan in 2022 is $ 438, according to the Kaiser Family Foundation. A benchmark plan is an average premium for each state’s second lowest-priced silver plan.
The following data reflects the national average, and the average of each state, but does not include any reduction in spending from subsidies. Prices will vary from area to area.
A Health Insurance Average Cost Per Month for one person
Average monthly health insurance premium for state benchmark plans without subsidies
Health Insurance Average Cost Per Month in United States – 2021 $452 2022 $438 Percent Change -3%
Health Insurance Average Cost Per Month in Alabama – 2021 was $590 and 2022 had been $597 total percentage change 1%
Health Insurance Average Cost Per Month in Alaska – 2021 was $675 and 2022 had been $712 total percentage change 5%
Health Insurance Average Cost Per Month in Arizona – 2021 was $436 and 2022 had been $390 total percentage change -12%
Health Insurance Average Cost Per Month in Arkansas – 2021 was $394 and 2022 had been $387 total percentage change -2%
Health Insurance Average Cost Per Month in California – 2021 was $426 and 2022 had been $417 total percentage change -2%
Health Insurance Average Cost Per Month in Colorado – 2021 was $351 and 2022 had been $358 total percentage change 2%
Health Insurance Average Cost Per Month in Connecticut – 2021 was $580 and 2022 had been $581 total percentage change 0%
Health Insurance Average Cost Per Month in Delaware – 2021 was $540 and 2022 had been $548 total percentage change 1%
Health Insurance Average Cost Per Month in District of Columbia – 2029 was $415 and 2022 had been $387 total percentage change -7%
Health Insurance Average Cost Per Month in Florida – 2021 was $457 and 2022 had been $456 total percentage change 0%
Health Insurance Average Cost Per Month in Georgia – 2021 was $456 and 2022 had been $394 total percentage change -16%
Health Insurance Average Cost Per Month in Hawaii – 2021 was $478 and 2022 had been $484 total percentage change 1%
Health Insurance Average Cost Per Month in Idaho – 2021 was $495 and 2022 had been $461 total percentage change -7%
Health Insurance Average Cost Per Month in Illinois – 2021 was $423 and 2022 had been $18 total percentage change -1%
Health Insurance Average Cost Per Month in Indiana – 2021 was $421 and 2022 had been $398 total percentage change -6%
Health Insurance Average Cost Per Month in Iowa – 2021 was $523 and 2022 had been $502 total percentage change -4%
Health Insurance Average Cost Per Month in Kansas – 2021 was $491 and 2022 had been $450 total percentage change -9%
Kentucky – 2021 was $476 and 2022 had been $387 total percentage change -23%
Health Insurance Average Cost Per Month in Louisiana – 2021 was $545 and 2022 had been $541 total percentage change -1%
Health Insurance Average Cost Per Month in Maine – 2021 was $440 and 2022 had been $427 total percentage change -3%
Health Insurance Average Cost Per Month in Maryland – 2021 was $347 and 2022 had been $328 total percentage change -6%
Health Insurance Average Cost Per Month in Massachusetts – 2021 was $363 and 2022 had been $389 total percentage change 7%
Health Insurance Average Cost Per Month in Michigan – 2021 was $347 and 2022 had been $340 total percentage change -2%
Health Insurance Average Cost Per Month in Minnesota – 2021 was $307 and 2022 had been $327 total percentage change 6%
Health Insurance Average Cost Per Month in Mississippi – 2021 was $459 and 2022 had been $448 total percentage change -2%
Health Insurance Average Cost Per Month in Missouri – 2021 was $479 and 2022 had been $442 total percentage change -8%
Health Insurance Average Cost Per Month in Montana – 2021was $471 and 2022 had been $483 total percentage change 2%
Health Insurance Average Cost Per Month in Nebraska – 2021 was $699 and 2022 had been $595 total percentage change -17%
Health Insurance Average Cost Per Month in Nevada – 2021 was $393 and 2022 had been $383 total percentage change -3%
Health Insurance Average Cost Per Month in New Hampshire – 2021 was $357 and 2022 had been $309 total percentage change -16%
Health Insurance Average Cost Per Month in New Jersey – 2021 was $405 and 2022 had been $424 total percentage change 4%
Health Insurance Average Cost Per Month in New Mexico – 2021 was $339 and 2022 had been $389 total percentage change 13%
Health Insurance Average Cost Per Month in New York – 2021 was $597 and 2022 had been $592 total percentage change -1%
Health Insurance Average Cost Per Month in North Carolina – 2021 was $516 and 2022 had been $504 total percentage change -2%
Health Insurance Average Cost Per Month in North Dakota – 2021 was $493 and 2022 had been $497 total percentage change 1%
Health Insurance Average Cost Per Month in Ohio – 2021 was $375 and 2022 had been $375 total percentage change 0%
Health Insurance Average Cost Per Month in Oklahoma – 2021 was $554 and 2022 had been $498 total percentage change -11%
Health Insurance Average Cost Per Month in Oregon – 2021 was $437 and 2022 had been $444 total percentage change 2%
Health Insurance Average Cost Per Month in Pennsylvania – 2021 was $455 and 2022 had been $390 total percentage change -17%
Health Insurance Average Cost Per Month in Rhode Island – 2021 was $349 and 2022 had been $361 total percentage change 3%
Health Insurance Average Cost Per Month in South Carolina – 2021 was $476 and 2022 had been $444 total percentage change -7%
Health Insurance Average Cost Per Month in South Dakota – 2021 was $618 and 2022 had been $601 total percentage change -3%
Health Insurance Average Cost Per Month in Tennessee – 2021 was $466 and 2022 had been $445 total percentage change -5%
Health Insurance Average Cost Per Month in Texas – 2021 was $436 and 2022 had been $424 total percentage change -3%
Health Insurance Average Cost Per Month in Utah – 2021 was $472 and 2022 had been $456 total percentage change -4%
Health Insurance Average Cost Per Month in Vermont – 2021 was $669 and 2022 had been $749 total percentage change 11%
Health Insurance Average Cost Per Month in Virginia – 2021 was $479 and 2022 had been $450 total percentage change -6%
Health Insurance Average Cost Per Month in Washington – 2021 was $388 and 2022 had been $396 total percentage change 2%
Health Insurance Average Cost Per Month in West Virginia – 2021 was $654 and 2022 had been $752 total percentage change 13%
Health Insurance Average Cost Per Month in Wisconsin – 2021 was $457 and 2022 had been $429 total percentage change -7%
Health Insurance Average Cost Per Month in Wyoming – 2021 was $791 and 2022 had been $762 total percentage change -4%
How much does health insurance cost per month in each state with subsidies?
The estimated national average cost in 2022 for the silver plan after premium subsidy* is $ 66.72. This chart is not the same as the previous one, the account subsidies. Here, you can find the average monthly premium with a subsidy for a benchmark silver plan in any selected city in your state.
Monthly health insurance rate by state with premium subsidy 2
(40-year-old earns $ 30,000 per year)
Jefferson – After Subsidy in 2021 $43 And After Subsidy in 2022 $77
Anchorage – After Subsidy in 2021 $38 And After Subsidy in 2022 $0
Maricopa – After Subsidy in 2021 $75 And After Subsidy in 2022 $82
Pulaski – After Subsidy in 2021 $78 And After Subsidy in 2022 $71
Los Angeles – After Subsidy in 2021 $83 And After Subsidy in 2022 $68
Denver – After Subsidy in 2021 $81 And After Subsidy in 2022 $78
Hartford – After Subsidy in 2021 $22 And After Subsidy in 2022 $37
New Castle – After Subsidy in 2021 $68 And After Subsidy in 2022 $72
District of Columbia – After Subsidy in 2021 $54 And After Subsidy in 2022 $78
Miami-Dade – After Subsidy in 2021 $81 And After Subsidy in 2022 $82
Fulton – After Subsidy in 2021 $78 And After Subsidy in 2022 $82
Honolulu – After Subsidy in 2021 $48 And After Subsidy in 2022 $37
Ada – After Subsidy in 2021 $84 And After Subsidy in 2022 $78
Cook – After Subsidy in 2021 $77 And After Subsidy in 2022 $83
Marion – After Subsidy in 2021 $67 And After Subsidy in 2022 $71
Johnson – After Subsidy in 2021 $48 And After Subsidy in 2022 $75
Sedgwick – After Subsidy in 2021 $77 And After Subsidy in 2022 $74
Jefferson – After Subsidy in 2021 $78 And After Subsidy in 2022 $78
Orleans – After Subsidy in 2021 $85 And After Subsidy in 2022 $83
Cumberland – After Subsidy in 2021 $84 And After Subsidy in 2022 $74
Baltimore – After Subsidy in 2021 $80 And After Subsidy in 2022 $74
Suffolk – After Subsidy in 2021 $75 And After Subsidy in 2022 $64
Wayne – After Subsidy in 2021 $82 And After Subsidy in 2022 $83
Hennepin – After Subsidy in 2021 $71 And After Subsidy in 2022 $78
Hinds – After Subsidy in 2021 $85 And After Subsidy in 2022 $83
St Louis – After Subsidy in 2021 $84 And After Subsidy in 2022 $83
Yellowstone – After Subsidy in 2021 $20 And After Subsidy in 2022 $5
Douglas – After Subsidy in 2021 $80 And After Subsidy in 2022 $83
Clark – After Subsidy in 2021 $73 And After Subsidy in 2022 $82
Hillsborough – After Subsidy in 2021 $77 And After Subsidy in 2022 $79
Essex – After Subsidy in 2021 $68 And After Subsidy in 2022 $59
Bernalillo – After Subsidy in 2021 $83 And After Subsidy in 2022 $66
New York – After Subsidy in 2021 $79 And After Subsidy in 2022 $37
Mecklenberg – After Subsidy in 2021 $83 And After Subsidy in 2022 $83
Cass – After Subsidy in 2021 $67 And After Subsidy in 2022 $74
Cuyahoga – After Subsidy in 2021 $82 And After Subsidy in 2022 $77
Oklahoma – After Subsidy in 2021 $72 And After Subsidy in 2022 $75
Multnomah – After Subsidy in 2021 $82 And After Subsidy in 2022 $81
Philadelphia – After Subsidy in 2021 $84 And After Subsidy in 2022 $82
Providence – After Subsidy in 2021 $64 And After Subsidy in 2022 $63
Richland – After Subsidy in 2021 $81 And After Subsidy in 2022 $73
Minnehaha – After Subsidy in 2021 $80 And After Subsidy in 2022 $77
Davidson – After Subsidy in 2021 $84 And After Subsidy in 2022 $83
Harris – After Subsidy in 2021 $75 And After Subsidy in 2022 $78
Salt Lake – After Subsidy in 2021 $82 And After Subsidy in 2022 $63
Chittenden – After Subsidy in 2021 $82 And After Subsidy in 2022 $63
Henrico – After Subsidy in 2021 $81 And After Subsidy in 2022 $83
King – After Subsidy in 2021 $70 And After Subsidy in 2022 $57
Cabell – After Subsidy in 2021 $72 And After Subsidy in 2022 $83
Milwaukee – After Subsidy in 2021 $79 And After Subsidy in 2022 $83
Laramie – After Subsidy in 2021 $82 And After Subsidy in 2022 $80
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How much is family health insurance per month?
The average monthly premium for employer-sponsored family health coverage in 2021 was $ 1,851.75, according to the Kaiser Family Foundation. Like personal insurance, your household costs will depend on age, location, planning department, tobacco use, and the number of plan members.
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What is the least expensive health insurance?
As you can see from the factors listed above, there are many factors involved in determining the cost of insurance. There is no one-size-fits-all health plan. But finding the right plan for your needs can be easy through Health Markets. You can shop online, compare healthcare plans, and apply within minutes. You can also call (833) 505-2367 to talk to a licensed insurance agent.
What is personal health insurance?
While many people get their health insurance through a group plan sponsored by their employer or union, others buy it themselves. If you are buying your own health insurance, you are buying a separate plan, even if you include family members in the plan. If this sounds like your need, let eHealth show you all your personal and family health insurance options and use our free quote comparison tool to find an affordable plan that meets your needs.
As a result of the Affordable Care Act (ACA), people can purchase individual health insurance through government exchanges or marketplaces (commonly referred to as ACA plans), or they can purchase health insurance from private insurers. You may be limited to purchasing health insurance through a government exchange at certain times of the year. Usually, you can buy health coverage from a private insurance company at any time.
ACA plans are a good starting point for understanding personal health insurance options. ACA health plans are classified by metal. You can learn more about the metallic scheme: Bronze, Silver, Gold, and Platinum.
All ACA plans must cover 10 essential benefits, such as hospitalization, outpatient and preventive care, maternity and child care, lab tests, rehabilitation services, mental health treatment, and prescription drug coverage. Each insurer can decide how it provides these benefits and possibly additional benefits. The metallic layers help buyers understand which part of the healthcare cost will make up the plan and which part will be paid by the consumer.
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