Health Insurance Cost at Age 62 (2026)
Estimates: 2026 state benchmark premiums × CMS federal age curve (factor 2.873 at 62). Last reviewed July 2026.
≈$1,405/mo national averagecheapest: Massachusetts $749highest: Wyoming $2,450
At 62 many people claim Social Security — and that income counts toward MAGI, which can push you over the subsidy cliff. Coordinating the claiming decision with health subsidies is one of the highest-value planning moves at this age.
Estimated benchmark premium at age 62, all states
| State | Est. monthly (full price) | Est. annual |
|---|---|---|
| Alabama | $1,450/mo | $17,400/yr |
| Alaska | $2,320/mo | $27,840/yr |
| Arizona | $1,196/mo | $14,352/yr |
| Arkansas | $1,740/mo | $20,880/yr |
| California | $1,281/mo | $15,377/yr |
| Colorado | $1,252/mo | $15,026/yr |
| Connecticut | $1,956/mo | $23,470/yr |
| Delaware | $1,553/mo | $18,641/yr |
| District of Columbia | $1,371/mo | $16,456/yr |
| Florida | $1,535/mo | $18,425/yr |
| Georgia | $1,383/mo | $16,591/yr |
| Hawaii | $1,216/mo | $14,594/yr |
| Idaho | $1,102/mo | $13,218/yr |
| Illinois | $1,452/mo | $17,427/yr |
| Indiana | $1,066/mo | $12,787/yr |
| Iowa | $1,126/mo | $13,515/yr |
| Kansas | $1,506/mo | $18,074/yr |
| Kentucky | $1,326/mo | $15,916/yr |
| Louisiana | $1,452/mo | $17,427/yr |
| Maine | $1,594/mo | $19,126/yr |
| Maryland | $931/mo | $11,168/yr |
| Massachusetts | $749/mo | $8,982/yr |
| Michigan | $1,176/mo | $14,109/yr |
| Minnesota | $1,007/mo | $12,085/yr |
| Mississippi | $1,488/mo | $17,858/yr |
| Missouri | $1,360/mo | $16,321/yr |
| Montana | $1,556/mo | $18,668/yr |
| Nebraska | $1,596/mo | $19,153/yr |
| Nevada | $1,117/mo | $13,407/yr |
| New Hampshire | $901/mo | $10,818/yr |
| New Jersey | $1,225/mo | $14,702/yr |
| New Mexico | $1,401/mo | $16,806/yr |
| New York | $817/mo | $9,804/yr |
| North Carolina | $1,434/mo | $17,211/yr |
| North Dakota | $1,281/mo | $15,377/yr |
| Ohio | $1,153/mo | $13,839/yr |
| Oklahoma | $1,358/mo | $16,294/yr |
| Oregon | $1,221/mo | $14,648/yr |
| Pennsylvania | $1,286/mo | $15,431/yr |
| Rhode Island | $1,138/mo | $13,650/yr |
| South Carolina | $1,268/mo | $15,215/yr |
| South Dakota | $1,472/mo | $17,670/yr |
| Tennessee | $1,598/mo | $19,180/yr |
| Texas | $1,486/mo | $17,831/yr |
| Utah | $1,439/mo | $17,265/yr |
| Vermont | $1,299/mo | $15,588/yr |
| Virginia | $1,023/mo | $12,274/yr |
| Washington | $1,376/mo | $16,510/yr |
| West Virginia | $2,412/mo | $28,946/yr |
| Wisconsin | $1,374/mo | $16,483/yr |
| Wyoming | $2,450/mo | $29,404/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 62-year-old in 2026?
A 62-year-old pays an estimated $1,405/month on average nationally for the benchmark silver plan at full price in 2026, ranging from about $749 in Massachusetts to $2,450 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 62?
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 · 60 · 64 · or use the interactive tool for any age 18–64.