How Much Does The Average American Pay For Health Insurance? 
The `` average '' American pays between $ 0 and $ 2000 per month for their health insurance . Yes , that is a HUGE range . For example , if an employer pays the entire premium , your out of pocket cost is $ 0 . Conversely , if someone is receiving COBRA benefits and they are in their 60s , the rate could possibly be in the $ 2,000 per month range . And of course , rates will vary from one state to another . And , beginning in 2014 , federal tax subsidies will become available , which could potentially reduce premiums for many Americans . 