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Average Health Insurance Cost 2026 (By Age, Family Size and Plan)

Health insurance premiums by age, family size, and plan type. Marketplace, employer, and individual plan costs compared.

Average Monthly Health Insurance Premiums

Plan TypeMonthlyAnnual
Individual (Marketplace)$580$6,960
Individual (Employer)$145$1,740
Family (Marketplace)$1,580$18,960
Family (Employer)$425$5,100
Medicare Part B$185$2,220

Health Insurance by Age (Marketplace)

AgeMonthlyAnnual
21$325$3,900
30$385$4,620
40$490$5,880
50$680$8,160
60$975$11,700

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Frequently Asked Questions

How much does health insurance cost per month?

The average marketplace plan costs $580/month for individuals. Through an employer, employees pay $145/month on average.

How much does family health insurance cost?

Family marketplace plans average $1,580/month. Employer family plans cost employees about $425/month.

Data & Research

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