The cost of health insurance can vary significantly from state to state. The good news is that we have included health insurance rates by state for all 50 states.
Let’s discover which states have the best health insurance for individuals and take a look at the most affordable and most expensive states for health insurance.
How Much Does Health Insurance Cost By State?
Health insurance costs vary a lot by state, but a 40-year-old pays around $5,724 per year on average. States with fewer insurers or more rural areas typically cost more.
The average annual cost of health insurance for a 40-year-old is $5,724 per year . States with larger rural areas or fewer insurers tend to have higher premiums due to limited competition and higher medical service costs.
Average Monthly Cost Of Health Insurance Rates By State Chart
The national average monthly cost of health insurance in 2024 is $477 for a 40-year-old on a Silver plan. This average applies before any subsidies and represents a midpoint among all U.S. states. Individual costs will vary based on location, age, plan type, and eligibility for premium tax credits.
| STATE | AVERAGE MONTHLY PREMIUM | STATE | AVERAGE MONTHLY PREMIUM |
|---|---|---|---|
| Alabama | $579 | Montana | $479 |
| Alaska | $715 | Nebraska | $685 |
| Arizona | $577 | Nevada | $578 |
| Arkansas | $419 | New Hampshire | $360 |
| California | $537 | New Jersey | $537 |
| Colorado | $409 | New Mexico | $480 |
| Connecticut | $564 | New York | $713 |
| Delaware | $555 | North Carolina | $634 |
| District Of Columbia | $553 | North Dakota | $524 |
| Florida | $585 | Ohio | $490 |
| Georgia | $309 | Oklahoma | $635 |
| Hawaii | $490 | Oregon | $475 |
| Idaho | $516 | Pennsylvania | $498 |
| Illinois | $556 | Rhode Island | $413 |
| Indiana | $433 | South Carolina | $436 |
| Iowa | $533 | South Dakota | $811 |
| Kansas | $534 | Tennessee | $508 |
| Kentucky | $478 | Texas | $575 |
| Louisiana | $728 | Utah | $563 |
| Maine | $465 | Vermont | $760 |
| Maryland | $365 | Virginia | $512 |
| Massachusetts | $535 | Washington | $443 |
| Michigan | $410 | West Virginia | $831 |
| Minnesota | $389 | Wisconsin | $514 |
| Mississippi | $511 | Wyoming | $764 |
| Missouri | $620 |