What Is The Average Cost Of Individual Health Insurance? 
In 2014 the national average cost of a Silver level plan -LRB- approximately 70 % coverage level and the most common plan design purchased -RRB- was $ 328 per month . This cost , in the overwhelming number of cases , will increase for 2015 plan year rates . As this is a national average figure and health insurance costs vary significantly from state to state , between regions within a state , and between different insurance carriers , it is only the roughest approximation of what health insurance might cost you . Your age and tobacco use status , plus the health insurance plan and insurance carrier you select are the primary factors in determining what your specific individual health insurance rates will be . Finally , whether or not you fall within the income ranges where you would qualify for some degree of an advanced premium tax subsidy will also factor into what your final monthly cost for individual health insurance would be . 