Health insurance prices in the U.S. (2026)
Compare marketplace (ACA) health insurance prices from 6,585 plans and 117 insurer brands in every state and county, then see how health sharing programs (not insurance) stack up.
Plan year 2026 prices; 2027 prices will be added as soon as CMS publishes them. Monthly premium for one 40-year-old, before any tax credit (subsidy).
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Individual & family health insurance (marketplace / ACA plans)
Real insurance plans you buy yourself (not through a job), sold by companies like UnitedHealthcare, Blue Cross Blue Shield, Ambetter (Centene), Oscar, Cigna, Molina and Anthem through HealthCare.gov or your state's marketplace.
Looking for Aetna? Aetna CVS Health left the ACA marketplace for 2026 (it sold plans in 17 states in 2025). Source: KFF
All plans here: Bronze $283–$1,447 (typical $548) · Silver $384–$2,203 (typical $715) · Gold $378–$2,288 (typical $746) · Platinum $481–$3,051 (typical $1,413) · Catastrophic $185–$913 (typical $415)
Insurers, sorted by typical Silver price
Every marketplace insurer must sell Silver and Gold plans; Bronze is optional, so Silver is the fair comparison. Typical = median monthly premium, age 40.
| Insurer | States | Plans | Cheapest plan | Typical Bronze | Typical Silver | Typical Gold | Cheapest plan name |
|---|---|---|---|---|---|---|---|
| Kaiser Permanente | 9 | 136 | $328 | $461 | $556 | $590 | KP MD Bronze 7500 Ded/HSA/Vision |
| CareFirst BlueCross BlueShieldCareFirst (Blue Cross Blue Shield company) | 3 | 41 | $339 | $351 | $587 | $624 | BlueChoice HMO Bronze 6100 Virtual Connect Plus |
| Molina Healthcare | 13 | 119 | $421 | $574 | $594 | $624 | Bronze 60 HMO |
| SelectHealthIntermountain Health | 4 | 89 | $349 | $424 | $595 | $602 | Select Health SAHA Bronze 8000 |
| Moda Health | 4 | 33 | $331 | $503 | $612 | $745 | Moda Select Idaho Bronze 10,000 + Vision Exam |
| PacificSource | 3 | 23 | $406 | $501 | $620 | $719 | Navigator Bronze HSA 8300 |
| Regence BlueCross BlueShield (Cambia)Cambia Health (Blue Cross Blue Shield company) | 4 | 50 | $355 | $521 | $640 | $733 | ICON Bronze Essential 9000 With 4 Copay No Deductible Office Visits POS |
| AmeriHealth Caritas Next | 5 | 40 | $435 | $531 | $646 | $741 | First Choice Next Bronze Essential |
| Imperial Health Plan | 4 | 22 | $375 | $463 | $666 | $668 | Imperial Standard Bronze |
| Anthem Blue Cross Blue Shield (Elevance Health)Elevance Health (Blue Cross Blue Shield company) | 14 | 378 | $324 | $522 | $673 | $784 | Anthem Bronze Pathway X Enhanced 7000/0% ($0 Virtual PCP + $0 Select Drugs) |
| CareSource | 6 | 120 | $406 | $520 | $682 | $881 | Low Premium Bronze HMO 10600 0% |
| Oscar Health | 20 | 400 | $329 | $520 | $684 | $637 | Bronze Simple (Choice) |
| Medica | 8 | 291 | $358 | $516 | $685 | $740 | Essentia Choice Care with Medica Bronze Share |
| Ambetter (Centene) | 29 | 575 | $349 | $542 | $691 | $708 | Ambetter Cascade Select Bronze |
| Cigna HealthcareCigna Group | 11 | 173 | $395 | $582 | $747 | $750 | Connect Bronze 6500 Indiv Med Deductible |
| Wellpoint (Elevance Health) | 4 | 47 | $332 | $516 | $756 | $730 | Wellpoint Essential Bronze 5500 ($0 Virtual PCP + Incentives) |
| Harvard Pilgrim / Tufts (Point32Health) | 3 | 35 | $414 | $611 | $772 | $803 | Standard High Bronze: Tufts Health Direct Bronze 2900 |
| UnitedHealthcareUnitedHealth Group | 30 | 447 | $283 | $571 | $801 | $793 | UHC Bronze Essential ($0 Virtual Urgent Care) |
| BridgeSpan (Cambia)Cambia Health | 3 | 10 | $517 | $582 | $852 | $816 | BridgeSpan Standard Bronze Plan |
| Blue Cross and Blue Shield (HCSC)HCSC (Blue Cross Blue Shield company) | 5 | 933 | $353 | $556 | $869 | $753 | MyBlue Plus Bronze Standard - Select Rx Copays |
| Highmark Blue Cross Blue ShieldHighmark Health (Blue Cross Blue Shield company) | 4 | 206 | $317 | $700 | $994 | $820 | Together Blue EPO Bronze 9200 |
Showing the 21 insurers selling in 3 or more states. National typical prices mix many states; pick your state and county for real comparisons. Blue Cross Blue Shield is not one company: local Blue companies are shown by name on each state page.
Deductibles and a bad year, by metal level
| Metal | Lowest | Typical* | Highest | Plans | Typical deductible | Typical out-of-pocket max | Typical bad year** |
|---|---|---|---|---|---|---|---|
| Bronze | $283 | $548 | $1,447 | 2087 | $7,500 | $10,000 | $16,575 |
| Silver | $384 | $715 | $2,203 | 2259 | $5,950 | $8,900 | $17,746 |
| Gold | $378 | $746 | $2,288 | 1885 | $1,640 | $8,200 | $16,906 |
| Platinum | $481 | $1,413 | $3,051 | 167 | $0 | $4,000 | $20,948 |
| CatastrophicUnder 30 or hardship exemption only | $185 | $415 | $913 | 187 | $10,600 | $10,600 | $15,574 |
* Typical = median: half of plans cost less, half cost more. ** Bad year = 12 months of premium + the plan's in-network out-of-pocket maximum (median across plans). Out-of-network care and non-covered services are extra.
Health insurance prices by state
| State | Insurers | Plans | Typical Bronze | Typical Silver | Typical Gold |
|---|---|---|---|---|---|
| Alabama | 4 | 54 | $509 | $688 | $791 |
| Alaska | 2 | 15 | $713 | $1,039 | $928 |
| Arizona | 7 | 199 | $507 | $594 | $728 |
| Arkansas | 3 | 52 | $514 | $828 | $711 |
| California | 11 | 190 | $558 | $650 | $722 |
| Colorado | 6 | 152 | $486 | $614 | $575 |
| Connecticut | 3 | 22 | $664 | $864 | $868 |
| Delaware | 3 | 40 | $582 | $762 | $767 |
| District of Columbia | 2 | 27 | $545 | $627 | $750 |
| Florida | 13 | 410 | $657 | $789 | $880 |
| Georgia | 8 | 211 | $552 | $692 | $752 |
| Hawaii | 2 | 17 | $472 | $551 | $603 |
| Idaho | 8 | 158 | $397 | $542 | $563 |
| Illinois | 7 | 285 | $466 | $665 | $580 |
| Indiana | 5 | 80 | $448 | $566 | $790 |
| Iowa | 6 | 121 | $420 | $559 | $584 |
| Kansas | 6 | 64 | $586 | $743 | $792 |
| Kentucky | 3 | 85 | $566 | $666 | $738 |
| Louisiana | 5 | 100 | $538 | $771 | $785 |
| Maine | 4 | 69 | $616 | $770 | $842 |
| Maryland | 4 | 47 | $334 | $448 | $444 |
| Massachusetts | 7 | 48 | $626 | $749 | $787 |
| Michigan | 6 | 116 | $488 | $685 | $723 |
| Minnesota | 5 | 243 | $463 | $550 | $630 |
| Mississippi | 5 | 48 | $634 | $705 | $956 |
| Missouri | 7 | 117 | $558 | $719 | $699 |
| Montana | 3 | 90 | $530 | $747 | $789 |
| Nebraska | 5 | 164 | $669 | $862 | $901 |
| Nevada | 8 | 138 | $549 | $694 | $848 |
| New Hampshire | 4 | 46 | $375 | $450 | $525 |
| New Jersey | 5 | 39 | $540 | $637 | $1,045 |
| New Mexico | 4 | 25 | $540 | $734 | $712 |
| New York | 12 | 264 | $822 | $1,097 | $1,360 |
| North Carolina | 6 | 206 | $597 | $758 | $847 |
| North Dakota | 3 | 59 | $434 | $628 | $637 |
| Ohio | 10 | 189 | $486 | $617 | $752 |
| Oklahoma | 7 | 186 | $529 | $684 | $732 |
| Oregon | 6 | 59 | $519 | $622 | $746 |
| Pennsylvania | 8 | 320 | $510 | $718 | $683 |
| Rhode Island | 2 | 21 | $474 | $552 | $680 |
| South Carolina | 6 | 125 | $486 | $636 | $671 |
| South Dakota | 3 | 67 | $539 | $703 | $733 |
| Tennessee | 6 | 158 | $586 | $771 | $793 |
| Texas | 15 | 834 | $496 | $762 | $663 |
| Utah | 6 | 57 | $570 | $732 | $824 |
| Vermont | 2 | 28 | $898 | $1,428 | $1,270 |
| Virginia | 7 | 83 | $398 | $505 | $501 |
| Washington | 10 | 86 | $520 | $762 | $622 |
| West Virginia | 2 | 37 | $816 | $1,100 | $998 |
| Wisconsin | 12 | 311 | $536 | $679 | $729 |
| Wyoming | 2 | 23 | $877 | $1,108 | $1,063 |
Compare: tick 2 to 4 health sharing options below to compare them here. To compare insurance plans with each other or with health sharing, open your county page; plan prices depend on where you live.