---
title: "Health Insurance Rates By State: Compare Costs & Save!"
canonical: "https://www.simplyinsurance.com/health-insurance-rates-by-state/"
description: "The cost of health insurance can vary significantly from state to state."
silo: "health"
published: "2026-05-21"
updated: "2026-05-21"
author: "sa-el"
source: "Simply Insurance"
---
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](https://www.simplyinsurance.com/compare-health-insurance-quotes-online/) 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](https://www.simplyinsurance.com/health-insurance-reviews/) 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 |  | 

**[How Many Americans Don’t Have Health Insurance?](https://www.simplyinsurance.com/how-many-americans-dont-have-health-insurance/)**

[Best Health Insurance In Alabama](https://www.simplyinsurance.com/best-health-insurance-in-alabama/)