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Compare Health Insurance Quotes & Prices
Use ValuePenguin's health insurance calculator to compare personalized rates and get health insurance quotes.
Compare Health Insurance Rates
Let's begin with your zip code.
We'll find you a health insurance quote based on your needs.
Comparing health insurance quotes can get you a better deal on coverage.
ValuePenguin's health insurance calculator can give you rate estimates and plan recommendations. Our experts can help you:
Compare health insurance quotes and plans
Comparing health insurance rates
By plan level
By age
By company
By location
By plan level
By age
By company
By location
Find Cheap Health Insurance Quotes in Your Area
Learn more about the health insurance plans offered in your state:
Health insurance rates
By plan level
By age
By company
By location
Plan tier | Rate |
|---|---|
| Catastrophic | $335 |
| Bronze | $462 |
| Silver | $584 |
| Gold | $641 |
| Platinum | $813 |
Average monthly rates for a 40-year-old.
By plan level
Plan tier | Rate |
|---|---|
| Catastrophic | $335 |
| Bronze | $462 |
| Silver | $584 |
| Gold | $641 |
| Platinum | $813 |
Average monthly rates for a 40-year-old.
By age
Age | Rate |
|---|---|
| 20 | $443 |
| 30 | $519 |
| 40 | $584 |
| 50 | $816 |
| 60 | $1,240 |
Average monthly rates for a Silver plan.
By company
Company | Rate | |
|---|---|---|
| Kaiser Permanente | $481 |
| Aetna | $502 |
| Ambetter | $521 |
| Cigna | $566 |
| UnitedHealthcare | $576 |
| Blue Cross Blue Shield | $604 |
Average monthly rates for a 40-year-old with a Silver plan.
By location
State | Rate |
|---|---|
| Alabama | $584 |
| Alaska | $948 |
| Arizona | $517 |
| Arkansas | $461 |
| California | $600 |
Show All Rows
Average monthly cost for a 40-year-old with a Silver plan.
Comparing coverage
The first step to picking the best health insurance plan is to compare the coverage. You should look at three main features of each plan.
Premium
The monthly rate, also called the premium, is the price you pay each month for your health insurance plan.
Deductibles and other costs
No matter what plan you choose, you'll likely have to pay for some of your health care. That's because plans often have a deductible, coinsurance and copays. The deductible is the amount of medical care you have to pay for yourself before your plan starts to pay. You might have to pay a flat fee for doctor visits or other services, called a copay. And after you reach your deductible, you'll pay a portion of your medical costs. This is called coinsurance, and it's a percentage of the total bill.
Out-of-pocket maximum
The out-of-pocket maximum is the limit on how much you could spend on medical care in a year. After this point, the insurance company pays for the full cost of covered health services. Your deductible, copays and coinsurance all count toward reaching your out-of-pocket maximum. The monthly rate you pay is not part of the out-of-pocket maximum.
To pick the right amount of coverage, think about what kind of medical care you might need. If you can pay a bit more each month, it might be worth it to get a plan with more coverage than you think you'll need. That way, if something comes up or you have an accident, you have good coverage. Choose a health insurance plan that gives you the best coverage combined with a deductible and out-of-pocket maximum that you could afford to pay.
Find Cheap Health Insurance Quotes in Your Area
Learn more about the health insurance plans offered in your state:
Compare plan tiers
Coverage tiers help you know how much coverage you'll get and how much you'll pay each month.
Private health insurance plans are divided into five categories: Catastrophic, Bronze, Silver, Gold and Platinum.
If you go to the doctor often or have expensive medical needs, a Gold or Platinum plan is the best option. The extra coverage usually makes the higher monthly cost worth it. If you're young and usually healthy, you will probably be OK with a Bronze plan. Just make sure to have the savings to pay for more of your medical bills yourself.
Compare health insurance networks
A plan's network affects which doctors you can use, the flexibility of your coverage and how easy it is to see a specialist.
PPOs and HMOs are the two most popular network types. PPOs are more expensive, but they let you see specialists without a referral. They also give you some coverage for doctors that aren't in the plan's network. HMOs are cheaper, but you only have coverage to see an in-network doctor. With an HMO, you'll also need to go through your primary care doctor to see a specialist, which can slow down your medical care.
Two less-popular plan types are exclusive provider organizations (EPOs) and point of service (POS) plans. These usually aren't the best option, and you might not even have any of these plans in your area.
Health insurance network comparison
Find Cheap Health Insurance Quotes in Your Area
Compare private health insurance to short-term plans
Private health insurance is coverage that you buy from a health insurance company rather than the government.
Frequently asked questions
How much does individual health insurance cost?
Health insurance costs $584 per month, on average, for an adult in the United States. However, the cost of plans will vary depending on your age, your location and the level of coverage you choose.
What are the cheapest health insurance quotes I can get?
The most affordable health insurance is Medicaid. To qualify, you must have a low income of less than about $20,000 per year for an individual, in most states. Income limits to qualify for Medicaid depend on where you live. If you don't qualify, you can choose the cheapest health insurer in your state, which could save you more than $1,200 per year compared to typical rates.
What are the best health insurance companies?
The overall best health insurance companies are Kaiser Permanente and Blue Cross Blue Shield. However, health insurance plans vary in price and quality. Compare plan options based on your location, age, preferred doctors and medical needs.
Health insurance research and advice
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Tubal Ligation: Costs and Health Insurance Coverage
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Gold Plans: Cost and Coverage
Gold plans are a more expensive level of health insurance that usually pays for about 80% of your medical bills. It's the second-highest... Read More
Physical Therapy Costs and Insurance Coverage
Physical therapy is covered by most health insurance plans. You'll typically pay $40 per session with insurance or $137 per session at full... Read More
Pregnancy Test Costs: At-Home and Blood Tests
Home pregnancy tests cost about $3, on average, while a blood test from a lab costs around $64. You may be able to get a free pregnancy... Read More
What is Silver Plan Health Insurance?
Silver health plans have average rates and affordable out-of-pocket costs. Silver health insurance is the best choice for most... Read More
Sources and methodology
The average cost of health insurance uses 2024 quotes for a 40-year-old individual sourced from public use files (PUFs) on the Centers for Medicare & Medicaid Services (CMS) government website and state marketplaces. Plans and providers for which county-level data was included in the CMS Crosswalk file were used in the rate analysis; those excluded from this data set may not be considered.