Compare Health Insurance Rates
Let's begin with your zip code.
We'll find you a health insurance quote based on your needs.
Compare health insurance quotes and get the best cheap coverage for your needs.
ValuePenguin's health insurance calculator can give you rate estimates and plan recommendations. Our experts will help you:
Find Cheap Health Insurance Quotes in Your Area
By plan level
By age
By company
By location
By plan level
By age
By company
By location
Learn more about the health insurance plans offered in your state:
Find Cheap Health Insurance Quotes in Your Area
By plan level
By age
By company
By location
Plan tier | Rate |
|---|---|
| Catastrophic | $434 |
| Bronze | $573 |
| Silver | $752 |
| Gold | $793 |
| Platinum | $1,012 |
Average monthly rates for a 40-year-old. Rates for Bronze plans include regular and Expanded Bronze.
By plan level
Plan tier | Rate |
|---|---|
| Catastrophic | $434 |
| Bronze | $573 |
| Silver | $752 |
| Gold | $793 |
| Platinum | $1,012 |
Average monthly rates for a 40-year-old. Rates for Bronze plans include regular and Expanded Bronze.
By age
Age | Rate |
|---|---|
| 20 | $571 |
| 30 | $668 |
| 40 | $752 |
| 50 | $1,052 |
| 60 | $1,598 |
Average monthly rates for a Silver plan.
By company
Company | Rate | |
|---|---|---|
| Kaiser Permanente | $595 |
| Oscar | $673 |
| Ambetter | $710 |
| Blue Cross Blue Shield | $793 | |
| Cigna | $795 |
| UnitedHealthcare | $819 |
Average monthly rates for a 40-year-old with a Silver plan.
By location
State | Rate |
|---|---|
| Alabama | $691 |
| Alaska | $1,037 |
| Arizona | $685 |
| Arkansas | $823 |
| California | $728 |
Average monthly cost for a 40-year-old with a Silver plan.
The first step to picking the best health insurance plan is to compare the coverage.
To pick the right amount of coverage, think about what kind of medical care you might need and how much you can afford to pay each month for a plan. Once you have a price range in mind, you can start looking at your options.
Learn more about the health insurance plans offered in your state:
Find Cheap Health Insurance Quotes in Your Area
Private health insurance plans are divided into five categories: Catastrophic, Bronze, Silver, Gold and Platinum.
Coverage tiers help you know how much coverage you'll get and give a sense of how much you'll pay each month. Typically, as your monthly rate increases, so does your coverage level.
| Bronze plans pay for about 60% of your medical care. |
Catastrophic and Bronze health plans have the cheapest monthly rates. But you'll pay for more if you need medical care because the plans have high deductibles and out-of-pocket maximums. Bronze and Catastrophic plans are best for people in good health. If you choose a lower-tier plan, you should also have savings to pay for the higher medical costs, just in case. You may pay more for a Catastrophic plan than a Bronze plan because Catastrophic plans don't qualify for subsidies.
| Silver plans pay for about 70% of your medical care. |
Silver plans have middle-of-the-road rates and deductibles. These plans are best for people or families with average health care needs. Plus, if you have a low income, you can get extra discounts called cost-sharing reductions. That means you'll pay less in coinsurance, copays and deductibles.
| Gold plans pay for about 80% of your medical care. |
Gold and Platinum health insurance plans cost the most each month. But they also give you the most coverage, so you pay less for health care you receive. If you think you'll need expensive medical care, like prescription drugs or a surgery, consider a Gold or Platinum plan. The lower deductible might save you money overall, even though the plan costs more each month.
Find Cheap Health Insurance Quotes in Your Area
Private health insurance is coverage that you buy from a health insurance company rather than the government.
Supplemental health insurance can help you manage costs that aren't covered by your main health insurance.
Supplemental insurance comes in different forms. For example, hospital indemnity insurance gives you cash payments when you have a hospital stay. You can spend these payments however you like .
Other types of supplemental coverage, such as dental and vision, can help you pay for things that don't fall under your normal health plan. Health insurance plans for adults don't usually cover dental care, so it's important to buy standalone coverage.
Health insurance costs $752 per month, on average, for a 40-year-old with a Silver plan in the United States. However, the cost of plans will depend on your age, where you live and the level of coverage you choose.
When comparing two or more health insurance plans, look at the total cost of each plan including the monthly rate and how much you would have to pay through the deductible, out-of-pocket maximum, copay and coinsurance. You should also compare the coverage, especially if you have an ongoing illness, disability or you're taking prescription drugs.
You may be able to get cheap or free health insurance from HealthCare.gov or your state's marketplace site if you have a low income. That's because you might get subsidies, which lower the cost of your monthly rate. If you buy a Silver plan, you might also get discounts that make medical care cheaper. If you don't get either of these discounts, a Bronze or Catastrophic plan is often cheapest. And if you have a very low income, you might qualify for Medicaid.
The overall best health insurance companies are Kaiser Permanente and Blue Cross Blue Shield. However, health insurance plans vary in price and quality. Compare plan options based on your location, age, preferred doctors and medical needs.
Dental insurance typically costs between $15 and $25 per month. You can lower your rate even further by bundling your dental and health insurance policies together through the same company.
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Health insurance rates for 2026 come from public use files (PUFs) on the Centers for Medicare & Medicaid Services (CMS) government website and state marketplaces. ValuePenguin used the CMS public use files PUFs and state marketplace data to find average rates for different plan tiers, geographic locations and more.
Rates are based on a 40-year-old with a Silver plan, unless otherwise noted. Rates for Bronze plans include regular and Expanded Bronze plans for 2024, 2025 and 2026, when the plans are available. Your costs and plan options will vary; plans aren't always available in all parts of a state or county.
Rates for all plan tiers and network types depend on where data is available. Not all plan tiers are available in every state or county.
ValuePenguin calculated average rates for different ages based on the federal age curve info published by CMS.
Insurance Writer
Cate Deventer is a ValuePenguin writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
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