Health Insurance Cost by Age (2026)
Computed from the CMS federal 3:1 age curve and 2026 state benchmark premiums. Last reviewed July 2026.
Insurers price by age on a federally capped curve: a 21-year-old pays the baseline, a 40-year-old about 28% more, and a 64-year-old three times the baseline. Two states ignore age entirely (New York and Vermont — everyone pays the same), and Massachusetts compresses the spread to 2:1.
Each age page below shows the estimated full-price benchmark premium in all 51 states at that age. Remember the flip side: subsidies are age-blind — if you qualify, your cost is capped by income, and the credit silently absorbs the age markup.
| Age | Federal curve factor | Est. national avg. benchmark |
|---|---|---|
| Age 26 | 1.024 | $501/mo |
| Age 30 | 1.135 | $555/mo |
| Age 35 | 1.222 | $598/mo |
| Age 40 | 1.278 | $625/mo |
| Age 45 | 1.444 | $706/mo |
| Age 50 | 1.786 | $873/mo |
| Age 55 | 2.230 | $1,091/mo |
| Age 60 | 2.714 | $1,327/mo |
| Age 62 | 2.873 | $1,405/mo |
| Age 64 | 3.000 | $1,467/mo |
Want a different age or your own state? Use the interactive cost-by-age tool.
Compare 2026 plans and prices side by side
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