Health Insurance Cost Calculator: Nationwide Average Monthly Cost
How much does health insurance cost per month? Use our free calculator to see the nationwide average monthly price of major medical plans and lower-cost limited plans, based on your age and who you want to cover: just you, you and your spouse, you and your children, or your whole family. Self-employed, between jobs, or shopping for something more affordable than your current plan? Start here, then talk with a licensed broker to get your exact price.
Nationwide Average Monthly Cost of Health Coverage by Age
Age 18-29: major medical about $617/mo for just you or $1,527/mo for a family. Limited plans about $307/mo for just you or $865/mo for a family.
Age 30-44: major medical about $646/mo for just you or $1,593/mo for a family. Limited plans about $344/mo for just you or $906/mo for a family.
Age 45-54: major medical about $687/mo for just you or $1,692/mo for a family. Limited plans about $376/mo for just you or $955/mo for a family.
Age 55-64: major medical about $745/mo for just you or $1,864/mo for a family. Limited plans about $413/mo for just you or $977/mo for a family.
These are nationwide averages across the major medical and limited plans we offer, using 2027 rates where released. Major medical covers doctor visits, hospital stays, surgery and emergencies, with an out-of-pocket maximum. Limited plans cost less but cover less and are not major medical coverage. Your exact price depends on your age, the plan and eligibility. Book a free call or text (704) 360-0462 to compare your options.
Common Questions About Health Coverage Costs
Still have questions? Call (704) 940-6654 or text (704) 360-0462.
For the plans we offer, a single adult age 30-44 pays about $646 a month on average for major medical coverage and about $344 a month for a limited plan. Your price depends on your age, who you cover and the plan you choose. Use the calculator above for your age and family size.
Major medical covers doctor visits, hospital stays, surgery and emergencies, with an out-of-pocket maximum that caps your costs for the year. Limited plans cost less but cover less: they focus on routine care such as doctor visits and telemedicine, have visit and benefit limits, and are not major medical coverage.
Self-employed people, 1099 workers, early retirees and families between jobs often compare major medical, HSA-eligible and lower-cost limited plans. A licensed broker can show you what is available in your state and help you choose. Book a free call or text (704) 360-0462.
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PSM Population Science Management - LifeX - Allstate
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Serving clients in 36 states nationwide and the greater Charlotte area.
PO Box 616, Mt Ulla, NC 28125