Health Insurance Cost at Age 60 (2026)
Estimates: 2026 state benchmark premiums × CMS federal age curve (factor 2.714 at 60). Last reviewed July 2026.
≈$1,327/mo national averagecheapest: Massachusetts $718highest: Wyoming $2,315
At 60 you pay about 2.12× the age-40 rate — the steepest part of the curve, with five years to go before Medicare. Early retirees: the subsidy cliff matters more here than at any other age; a MAGI just under 400% of FPL can be worth $10,000+/year. See the cliff guide.
Estimated benchmark premium at age 60, all states
| State | Est. monthly (full price) | Est. annual |
|---|---|---|
| Alabama | $1,370/mo | $16,437/yr |
| Alaska | $2,192/mo | $26,299/yr |
| Arizona | $1,130/mo | $13,557/yr |
| Arkansas | $1,644/mo | $19,724/yr |
| California | $1,210/mo | $14,526/yr |
| Colorado | $1,183/mo | $14,194/yr |
| Connecticut | $1,848/mo | $22,171/yr |
| Delaware | $1,467/mo | $17,609/yr |
| District of Columbia | $1,295/mo | $15,545/yr |
| Florida | $1,450/mo | $17,405/yr |
| Georgia | $1,306/mo | $15,672/yr |
| Hawaii | $1,149/mo | $13,787/yr |
| Idaho | $1,041/mo | $12,487/yr |
| Illinois | $1,372/mo | $16,462/yr |
| Indiana | $1,007/mo | $12,079/yr |
| Iowa | $1,064/mo | $12,767/yr |
| Kansas | $1,423/mo | $17,074/yr |
| Kentucky | $1,253/mo | $15,035/yr |
| Louisiana | $1,372/mo | $16,462/yr |
| Maine | $1,506/mo | $18,068/yr |
| Maryland | $879/mo | $10,550/yr |
| Massachusetts | $718/mo | $8,614/yr |
| Michigan | $1,111/mo | $13,328/yr |
| Minnesota | $951/mo | $11,417/yr |
| Mississippi | $1,406/mo | $16,870/yr |
| Missouri | $1,285/mo | $15,418/yr |
| Montana | $1,470/mo | $17,635/yr |
| Nebraska | $1,508/mo | $18,093/yr |
| Nevada | $1,055/mo | $12,665/yr |
| New Hampshire | $852/mo | $10,219/yr |
| New Jersey | $1,157/mo | $13,889/yr |
| New Mexico | $1,323/mo | $15,876/yr |
| New York | $817/mo | $9,804/yr |
| North Carolina | $1,355/mo | $16,259/yr |
| North Dakota | $1,210/mo | $14,526/yr |
| Ohio | $1,089/mo | $13,073/yr |
| Oklahoma | $1,283/mo | $15,392/yr |
| Oregon | $1,153/mo | $13,838/yr |
| Pennsylvania | $1,215/mo | $14,577/yr |
| Rhode Island | $1,075/mo | $12,895/yr |
| South Carolina | $1,198/mo | $14,373/yr |
| South Dakota | $1,391/mo | $16,692/yr |
| Tennessee | $1,510/mo | $18,119/yr |
| Texas | $1,404/mo | $16,845/yr |
| Utah | $1,359/mo | $16,309/yr |
| Vermont | $1,299/mo | $15,588/yr |
| Virginia | $966/mo | $11,595/yr |
| Washington | $1,300/mo | $15,596/yr |
| West Virginia | $2,279/mo | $27,344/yr |
| Wisconsin | $1,298/mo | $15,570/yr |
| Wyoming | $2,315/mo | $27,777/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 60-year-old in 2026?
A 60-year-old pays an estimated $1,327/month on average nationally for the benchmark silver plan at full price in 2026, ranging from about $718 in Massachusetts to $2,315 in Wyoming. 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 60?
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 · 30 · 35 · 40 · 45 · 50 · 55 · 62 · 64 · or use the interactive tool for any age 18–64.