Premiums vary significantly from plan to plan. For people who buy their own coverage in the marketplace, the average full-price premium (ie, before subsidies are applied) in 2020 was $575/month, although it varies considerably depending on the metal level of the plan, the insurer that's offering the policy, the geographical area, and the age of the enrollee. And very few marketplace enrollees pay full price for their coverage. As of 2020, 86% of enrollees were receiving premium subsidies, which averaged $491/month – offsetting the majority of the average premium. And thanks to the American Rescue Plan, subsidies are considerably larger in 2021, and available to more people, making coverage more affordable than it's been in past years. According to the Kaiser Family Foundation (KFF), the 2020 average total premium for employer-provided coverage for a single employee was $623/month. Of that amount, the average worker paid $124/month and the average employer paid $519/month. For family coverage, the total average premium was $1,779/month, but again, employers pay the bulk of that: the average employee with family coverage has to pay just $466/month in premiums, while the employer covers the rest. But this varies considerably from one employer to another. And although large employers are required to ensure that coverage is affordable (to avoid a financial penalty), that only applies to coverage for the employee; it does not count the cost of coverage for family members.