Health Insurance Cost at Age 30 (2026)
Estimates: 2026 state benchmark premiums × CMS federal age curve (factor 1.135 at 30). Last reviewed July 2026.
≈$555/mo national averagecheapest: New Hampshire $356highest: Vermont $1,299
At 30 you pay about 13% more than the age-21 baseline — still firmly in the cheap zone. This is also the last age for catastrophic plans, though a subsidized bronze plan usually beats them anyway.
Estimated benchmark premium at age 30, all states
| State | Est. monthly (full price) | Est. annual |
|---|---|---|
| Alabama | $573/mo | $6,874/yr |
| Alaska | $917/mo | $10,998/yr |
| Arizona | $472/mo | $5,670/yr |
| Arkansas | $687/mo | $8,249/yr |
| California | $506/mo | $6,075/yr |
| Colorado | $495/mo | $5,936/yr |
| Connecticut | $773/mo | $9,272/yr |
| Delaware | $614/mo | $7,364/yr |
| District of Columbia | $542/mo | $6,501/yr |
| Florida | $607/mo | $7,279/yr |
| Georgia | $546/mo | $6,554/yr |
| Hawaii | $480/mo | $5,766/yr |
| Idaho | $435/mo | $5,222/yr |
| Illinois | $574/mo | $6,885/yr |
| Indiana | $421/mo | $5,052/yr |
| Iowa | $445/mo | $5,339/yr |
| Kansas | $595/mo | $7,140/yr |
| Kentucky | $524/mo | $6,288/yr |
| Louisiana | $574/mo | $6,885/yr |
| Maine | $630/mo | $7,556/yr |
| Maryland | $368/mo | $4,412/yr |
| Massachusetts | $413/mo | $4,952/yr |
| Michigan | $464/mo | $5,574/yr |
| Minnesota | $398/mo | $4,774/yr |
| Mississippi | $588/mo | $7,055/yr |
| Missouri | $537/mo | $6,448/yr |
| Montana | $615/mo | $7,375/yr |
| Nebraska | $631/mo | $7,567/yr |
| Nevada | $441/mo | $5,297/yr |
| New Hampshire | $356/mo | $4,274/yr |
| New Jersey | $484/mo | $5,808/yr |
| New Mexico | $553/mo | $6,639/yr |
| New York | $817/mo | $9,804/yr |
| North Carolina | $567/mo | $6,799/yr |
| North Dakota | $506/mo | $6,075/yr |
| Ohio | $456/mo | $5,467/yr |
| Oklahoma | $536/mo | $6,437/yr |
| Oregon | $482/mo | $5,787/yr |
| Pennsylvania | $508/mo | $6,096/yr |
| Rhode Island | $449/mo | $5,393/yr |
| South Carolina | $501/mo | $6,011/yr |
| South Dakota | $582/mo | $6,981/yr |
| Tennessee | $631/mo | $7,577/yr |
| Texas | $587/mo | $7,044/yr |
| Utah | $568/mo | $6,821/yr |
| Vermont | $1,299/mo | $15,588/yr |
| Virginia | $404/mo | $4,849/yr |
| Washington | $544/mo | $6,522/yr |
| West Virginia | $953/mo | $11,435/yr |
| Wisconsin | $543/mo | $6,512/yr |
| Wyoming | $968/mo | $11,616/yr |
New York and Vermont are community-rated (age doesn't change price); Massachusetts uses a compressed 2:1 curve (approximated). A few states apply modified curves; all figures are estimates from state averages — the marketplace quotes your exact price by ZIP code.
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FAQ
How much is health insurance for a 30-year-old in 2026?
A 30-year-old pays an estimated $555/month on average nationally for the benchmark silver plan at full price in 2026, ranging from about $356 in New Hampshire to $1,299 in Vermont. With a subsidy (income between 100% and 400% of FPL), your cost is capped at 2.1%–9.96% of income regardless of age.
Does age affect my ACA subsidy at 30?
No — the subsidy formula is age-blind. Your required contribution depends only on income and household size; the premium tax credit covers the gap up to the benchmark price, so older enrollees automatically receive larger credits. Age only determines what you pay if you earn above 400% of FPL and get no subsidy.
Other ages: 26 · 35 · 40 · 45 · 50 · 55 · 60 · 62 · 64 · or use the interactive tool for any age 18–64.