{
  "title": "How Much Does Health Insurance Cost? Average Premiums by Age, Income and County",
  "canonical": "https://quantcalc.app/health-insurance-cost/",
  "license": "CC-BY-4.0",
  "date_modified": "2026-11-04",
  "generator": "scripts/gen_health_reference_pages.mjs",
  "sources": [
    {
      "url": "https://data.healthcare.gov/datafile/py2027/individual_market_medical.zip",
      "label": "CMS QHP Landscape and Rate public use files, plan year 2027"
    },
    {
      "url": "https://quantcalc.app/research/aca-benchmark-premiums-2027/",
      "label": "2027 ACA benchmark premiums study"
    },
    {
      "url": "https://meps.ahrq.gov/data_files/publications/rf54/rf54.shtml",
      "label": "AHRQ, Health Insurance Benefits at Private Employers, Estimates from MEPS-Insurance Component: 2008-2024 (Research Findings #54, December 2025)"
    },
    {
      "label": "26 U.S.C. §36B(c)(1)(A) (premium tax credit: household income at least 100% of the poverty line)",
      "url": "https://www.law.cornell.edu/uscode/text/26/36B"
    },
    {
      "url": "https://www.cms.gov/newsroom/fact-sheets/2026-medicare-parts-b-premiums-deductibles",
      "label": "CMS, 2026 Medicare Parts A & B Premiums and Deductibles (released 14 November 2025)"
    }
  ],
  "data": {
    "plan_year": 2027,
    "states": 29,
    "benchmark_by_age": {
      "21": {
        "2026": 487.96,
        "2027": 547.43
      },
      "30": {
        "2026": 556.08,
        "2027": 623.91
      },
      "40": {
        "2026": 625.38,
        "2027": 701.64
      },
      "50": {
        "2026": 874.51,
        "2027": 981.15
      },
      "60": {
        "2026": 1326.84,
        "2027": 1488.61
      },
      "64": {
        "2026": 1463.86,
        "2027": 1642.28
      }
    },
    "employer": {
      "label": "AHRQ, Health Insurance Benefits at Private Employers, Estimates from MEPS-Insurance Component: 2008-2024 (Research Findings #54, December 2025)",
      "url": "https://meps.ahrq.gov/data_files/publications/rf54/rf54.shtml",
      "verified": "Fetched 2026-11-04, Highlights: 'In 2024, average health insurance premiums were $8,486 for single coverage, $16,931 for employee-plus-one coverage, and $24,540 for family coverage'; 'Average employee contributions in 2024 increased ... for single coverage ($1,789) and ... employee-plus-one coverage ($4,707)'; 'Average deductibles for single plans increased by 8.0 percent to $2,085 and average family deductibles increased by 8.8 percent to $4,063'.",
      "year": 2024,
      "premium": {
        "single": 8486,
        "plus_one": 16931,
        "family": 24540
      },
      "employee_contribution": {
        "single": 1789,
        "plus_one": 4707
      },
      "deductible": {
        "single": 2085,
        "family": 4063
      }
    }
  }
}