Wondering how much health insurance costs per month for one person? Here’s an easy guide explaining average costs, options, and ways to save in 2025.
Introduction
Health insurance is something many people need but often find confusing—especially when it comes to cost. If you’re single and trying to figure out how much you’ll need to pay each month, you’re not alone. There are many factors that affect the price, and it’s not always easy to compare. In this guide, we’ll explain in simple language how much health insurance usually costs for a single person and what affects that cost. We’ll also show you how to find a plan that fits your budget.
1. The Average Monthly Cost for One Person
On average, a single adult in the U.S. can expect to pay around $450 to $550 per month for a standard health insurance plan without any financial help. This is usually for a Silver-level plan on the Marketplace. However, the cost can be much lower—or higher—depending on a few key factors.
2. How Age Affects Your Monthly Premium
Your age plays a big role in how much you pay. Younger people in their 20s might only pay around $300 per month, while someone in their 60s could pay over $700. Insurance companies see older people as higher risk, which is why they charge more.
3. Income and Subsidies Can Lower the Cost
If your income is low or moderate, you may qualify for government subsidies that lower your monthly premium. These are called premium tax credits. For example, someone making $30,000 a year may only pay $50–$100 per month after the subsidy is applied.
4. Location Matters More Than You Think
Where you live can change the cost of your health insurance. People in big cities or states with more competition often have lower prices. In rural areas with fewer insurance companies, prices tend to be higher.
5. The Type of Plan You Choose
The kind of plan you pick also affects the price. Bronze plans have the lowest monthly cost but higher out-of-pocket expenses. Gold and Platinum plans cost more each month but cover more when you need care. If you’re healthy and don’t go to the doctor much, a Bronze plan might be cheaper overall.
6. Marketplace Plans vs. Employer Insurance
If you don’t get insurance through work, you may buy it through the Health Insurance Marketplace. Plans there are standardized by metal tiers (Bronze, Silver, Gold, Platinum). If your job offers health insurance, it’s often cheaper because the employer pays part of the premium.
7. Short-Term Insurance Options
Some people choose short-term health insurance to save money. These plans cost less per month, sometimes under $100, but they offer limited benefits. They don’t cover pre-existing conditions and are not a long-term solution, but can be useful in a gap between jobs.
8. High-Deductible Plans and HSAs
High-deductible health plans (HDHPs) have lower monthly costs but higher costs when you go to the doctor. These plans can be paired with a Health Savings Account (HSA), where you can save money tax-free to pay for medical bills. This combo can work well for healthy people.
9. Medicaid and Low-Income Coverage
If you have very low income, you may qualify for Medicaid, which can offer free or very low-cost insurance. This depends on your state and your income level. For many single adults, Medicaid is the cheapest option available.
10. Extra Costs to Watch Out For
Even if a plan has a low monthly premium, you’ll also want to consider deductibles, co-pays, and coinsurance. These are the costs you pay when you actually use the insurance. Make sure to check these before choosing a plan so you don’t get surprised later.
FAQs: Health Insurance for a Single Person
How much is the cheapest health insurance for one person?
With subsidies or Medicaid, it can be as low as $0 to $50 per month. Without help, the cheapest plans are usually around $200–$300 per month.
Can I get free health insurance as a single adult?
Yes, if you qualify for Medicaid based on your income, your coverage could be free or nearly free.
Why is health insurance so expensive?
The cost reflects the rising price of medical care, prescription drugs, and how much risk the insurance company is taking.
Is short-term health insurance a good idea?
It can work for people in between jobs or waiting for other coverage. Just remember, it doesn’t cover everything.
How do I apply for subsidies?
You can apply for subsidies through Healthcare.gov or your state’s health exchange when you apply for a plan. It will calculate your savings based on your income.
Conclusion
Health insurance costs for a single person can vary a lot. On average, you might pay around $450 per month, but it could be much less if you qualify for help or choose a basic plan. Your age, income, location, and the type of plan all affect what you’ll pay. Take your time comparing plans, and don’t just look at the monthly premium—look at the full cost, including what you’ll pay when you need care. Finding the right balance between price and coverage can save you money and give you peace of mind.