🩺 Health insurance cost by state (2026)
The U.S. average is $560 per month. Benchmark Silver marketplace plan for a 40-year-old before any income-based subsidy. Figures are estimates from public data — see our methodology.
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Health insurance cost in all 50 states
Ranked most to least expensive. Click a state for city-level detail.
| # | State | Avg. health insurance | vs. national |
|---|---|---|---|
| 1 | Wyoming | $868 | +55% |
| 2 | Alaska | $840 | +50% |
| 3 | New York | $784 | +40% |
| 4 | West Virginia | $756 | +35% |
| 5 | Vermont | $728 | +30% |
| 6 | Delaware | $672 | +20% |
| 7 | Connecticut | $644 | +15% |
| 8 | Nebraska | $616 | +10% |
| 9 | South Dakota | $588 | +5% |
| 10 | Louisiana | $560 | 0% |
| 11 | Maine | $560 | 0% |
| 12 | Montana | $560 | 0% |
| 13 | Alabama | $532 | -5% |
| 14 | Florida | $532 | -5% |
| 15 | Iowa | $532 | -5% |
| 16 | Kansas | $532 | -5% |
| 17 | Mississippi | $532 | -5% |
| 18 | North Carolina | $532 | -5% |
| 19 | Oklahoma | $532 | -5% |
| 20 | Wisconsin | $532 | -5% |
| 21 | California | $504 | -10% |
| 22 | Indiana | $504 | -10% |
| 23 | Kentucky | $504 | -10% |
| 24 | Missouri | $504 | -10% |
| 25 | New Mexico | $504 | -10% |
| 26 | North Dakota | $504 | -10% |
| 27 | Pennsylvania | $504 | -10% |
| 28 | South Carolina | $504 | -10% |
| 29 | Tennessee | $504 | -10% |
| 30 | Texas | $504 | -10% |
| 31 | Virginia | $504 | -10% |
| 32 | Arizona | $476 | -15% |
| 33 | Arkansas | $476 | -15% |
| 34 | Colorado | $476 | -15% |
| 35 | Georgia | $476 | -15% |
| 36 | Idaho | $476 | -15% |
| 37 | Illinois | $476 | -15% |
| 38 | Nevada | $476 | -15% |
| 39 | New Hampshire | $476 | -15% |
| 40 | New Jersey | $476 | -15% |
| 41 | Oregon | $476 | -15% |
| 42 | Rhode Island | $476 | -15% |
| 43 | Washington | $476 | -15% |
| 44 | Ohio | $448 | -20% |
| 45 | District of Columbia | $420 | -25% |
| 46 | Maryland | $420 | -25% |
| 47 | Massachusetts | $420 | -25% |
| 48 | Michigan | $420 | -25% |
| 49 | Utah | $420 | -25% |
| 50 | Hawaii | $392 | -30% |
| 51 | Minnesota | $392 | -30% |
Health insurance FAQ
What is the average health insurance cost in the U.S.?
The national average is about $560 per month. Benchmark Silver marketplace plan for a 40-year-old before any income-based subsidy. Costs vary widely by state — see the table above.
Which states have the cheapest health insurance?
Based on our estimates, the least expensive states include Hawaii, Minnesota, District of Columbia.
How can I lower my health insurance cost?
Compare at least three quotes, bundle policies, raise your deductible if you have an emergency fund, and re-shop yearly. Use the calculator above to see how your profile changes the price.