Health Insurance Cost at Age 64 (2026)
Estimates: 2026 state benchmark premiums × CMS federal age curve (factor 3.000 at 64). Last reviewed July 2026.
≈$1,467/mo national averagecheapest: Massachusetts $773highest: Wyoming $2,559
The top of the curve: 64-year-olds pay the maximum 3.0× factor (2.35× the age-40 rate) — but only until Medicare begins at 65. If COBRA or a marketplace plan just needs to bridge you to a 65th birthday, price both against the exact number of months remaining.
Estimated benchmark premium at age 64, all states
| State | Est. monthly (full price) | Est. annual |
|---|---|---|
| Alabama | $1,514/mo | $18,169/yr |
| Alaska | $2,423/mo | $29,070/yr |
| Arizona | $1,249/mo | $14,986/yr |
| Arkansas | $1,817/mo | $21,803/yr |
| California | $1,338/mo | $16,056/yr |
| Colorado | $1,308/mo | $15,690/yr |
| Connecticut | $2,042/mo | $24,507/yr |
| Delaware | $1,622/mo | $19,465/yr |
| District of Columbia | $1,432/mo | $17,183/yr |
| Florida | $1,603/mo | $19,239/yr |
| Georgia | $1,444/mo | $17,324/yr |
| Hawaii | $1,270/mo | $15,239/yr |
| Idaho | $1,150/mo | $13,803/yr |
| Illinois | $1,516/mo | $18,197/yr |
| Indiana | $1,113/mo | $13,352/yr |
| Iowa | $1,176/mo | $14,113/yr |
| Kansas | $1,573/mo | $18,873/yr |
| Kentucky | $1,385/mo | $16,620/yr |
| Louisiana | $1,516/mo | $18,197/yr |
| Maine | $1,664/mo | $19,972/yr |
| Maryland | $972/mo | $11,662/yr |
| Massachusetts | $773/mo | $9,277/yr |
| Michigan | $1,228/mo | $14,732/yr |
| Minnesota | $1,052/mo | $12,620/yr |
| Mississippi | $1,554/mo | $18,648/yr |
| Missouri | $1,420/mo | $17,042/yr |
| Montana | $1,624/mo | $19,493/yr |
| Nebraska | $1,667/mo | $20,000/yr |
| Nevada | $1,167/mo | $14,000/yr |
| New Hampshire | $941/mo | $11,296/yr |
| New Jersey | $1,279/mo | $15,352/yr |
| New Mexico | $1,462/mo | $17,549/yr |
| New York | $817/mo | $9,804/yr |
| North Carolina | $1,498/mo | $17,972/yr |
| North Dakota | $1,338/mo | $16,056/yr |
| Ohio | $1,204/mo | $14,451/yr |
| Oklahoma | $1,418/mo | $17,014/yr |
| Oregon | $1,275/mo | $15,296/yr |
| Pennsylvania | $1,343/mo | $16,113/yr |
| Rhode Island | $1,188/mo | $14,254/yr |
| South Carolina | $1,324/mo | $15,887/yr |
| South Dakota | $1,538/mo | $18,451/yr |
| Tennessee | $1,669/mo | $20,028/yr |
| Texas | $1,552/mo | $18,620/yr |
| Utah | $1,502/mo | $18,028/yr |
| Vermont | $1,299/mo | $15,588/yr |
| Virginia | $1,068/mo | $12,817/yr |
| Washington | $1,437/mo | $17,239/yr |
| West Virginia | $2,519/mo | $30,225/yr |
| Wisconsin | $1,434/mo | $17,211/yr |
| Wyoming | $2,559/mo | $30,704/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 64-year-old in 2026?
A 64-year-old pays an estimated $1,467/month on average nationally for the benchmark silver plan at full price in 2026, ranging from about $773 in Massachusetts to $2,559 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 64?
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 · 62 · or use the interactive tool for any age 18–64.