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The average annual health insurance cost is $7,080 for aca marketplace plans Typically, a lower deductible means a higher premium, and vice versa Marketplace plan costs differ based on age, plan type, metal tier and other factors.

Learn average health insurance costs and what factors in to health insurance costs.

Nerdwallet’s picks for best individual health insurance include oscar, ambetter and blue cross blue shield based on cost, quality, complaints and more. The health insurance marketplace calculator, updated with 2025 premium data, provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health. To decide how much health insurance you should get, calculate how much income you can put aside for monthly premiums, consider your health and determine your risk for injury or disease based on your location, age and habits. Explore the cost of individual health insurance, average current monthly premiums, and how to choose the right plan for your needs.

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