Individual health insurance provides coverage for one person and is essential for those without employer-sponsored plans. The average monthly cost is $350-$700 depending on the plan tier, your age, location, and whether you qualify for premium subsidies through the ACA marketplace.
Individual Health Insurance Cost
$350 - $700/moUpdated March 2026
Frequently Asked Questions
How much is individual health insurance per month?
Individual health insurance averages $350-$700/month before subsidies. After subsidies, many individuals pay $50-$200/month. Costs vary by plan tier (Bronze to Platinum), age, and location.
What is the cheapest individual health insurance?
The cheapest individual health insurance options are: ACA marketplace plans with subsidies ($0-$100/mo for eligible individuals), catastrophic plans for under-30 ($200-$300/mo), and short-term health insurance ($100-$300/mo, limited coverage).
Can I get individual health insurance outside of Open Enrollment?
You can enroll outside of Open Enrollment if you have a qualifying life event (job loss, marriage, birth, moving, loss of coverage). Otherwise, you must wait for the annual Open Enrollment period (November-January).
Is individual health insurance tax deductible?
If you are self-employed, individual health insurance premiums are 100% tax-deductible as an above-the-line deduction. For others, medical expenses including premiums are deductible only if they exceed 7.5% of your adjusted gross income.
What does individual health insurance cover?
ACA-compliant individual plans must cover 10 essential health benefits: outpatient care, emergency services, hospitalization, maternity care, mental health, prescription drugs, rehabilitative services, lab services, preventive care, and pediatric services.