See How Your Health Care Costs Compare by Age & State | Simplefill
Your age and where you live impact how much your health care costs. Most states have their own premium multiplier standards based on age, so there is a wide array of prices throughout the country.
But your age is not the only factor taken into consideration when insurance companies come up with costs. Learn more about why age is a consideration, how some states take it into account, and why Simplefill can address your needs no matter where you live.
Why Are Health Care Costs and Age Connected?
In a perfect world, people of all ages would pay the same premiums for the health insurance they need. Because the health care system depends on insurance companies, which are for-profit businesses, the reality is that you can expect costs to increase as you age.
Why Do Health Care Costs Increase When You Age?
As people grow older, they tend to develop more health issues. Diabetes, for example, is a condition that affects millions of people each year. In the United States in 2021, 38.1 million adults had diabetes. The majority of these involved type 2, which is a treatable but expensive condition that requires regular access to insulin and that tends to be most prevalent in older people.
Older adults often have more than one condition, as well. All of this means that insurance companies have to pay out more for their claims. To make a profit, they have to increase premiums.
How Are Age-Based Premiums Calculated?
Insurance companies typically use age 21 as the base rate and then apply a multiplier depending on your current age. Those who are close to 21 can expect a much lower multiplier than someone in their 50s. There are caps, however. The premium multiplier for older adults cannot exceed three times what a 21-year-old pays if the cost is based on age alone.
States Use Different Multipliers
The state where you live plays a role, too. Some states rely on a different multiplier standard than the majority of other states. Massachusetts, for example, has lower multipliers than the federal standard for those under 20, but it has higher multipliers for those between the ages of 21 and 48. Once you reach 49, you pay the national standard.
Utah has lower rates from 15 to 20, but the multipliers starting at age 22 are higher than the federal ones. The cap of 3.00 is also applied sooner than in most other states. It starts at 55 instead of 64.
Washington, D.C., has lower multiplier rates across all age ranges, while New York and Vermont don’t apply an age multiplier at all. This means that your age is not a factor when determining your premiums.
What Are The Average Monthly Health Insurance Premiums by Age?
This data is based on silver-tier, ACA Marketplace costs.
| Age | 2025 Cost | 2024 Cost | Change (YoY) |
|---|---|---|---|
| 20 | $471 | $442 | +6.6% |
| 25 | $488 | $458 | +6.6% |
| 30 | $552 | $518 | +6.6% |
| 35 | $594 | $557 | +6.6% |
| 40 | $621 | $583 | +6.5% |
| 45 | $702 | $659 | +6.5% |
| 50 | $868 | $815 | +6.5% |
| 55 | $1,084 | $1,017 | +6.6% |
| 60 | $1,319 | $1,238 | +6.5% |
| 64+ | $1,458 | $1,369 | +6.5% |
What Are The Top 5 Most Expensive States for Health Insurance in 2025?
| Rank | State | Average Monthly Premium |
|---|---|---|
| 1 | Vermont | $1,157 |
| 2 | Alaska | $1,088 |
| 3 | New York | $1,038 |
| 4 | West Virginia | $955 |
| 5 | Wyoming | $895 |
What Are The Top 5 Least Expensive States for Health Insurance in 2025?
| Rank | State | Average Monthly Premium |
|---|---|---|
| 1 | New Hampshire | $373 |
| 2 | Virginia | $421 |
| 3 | Maryland | $412 |
| 4 | Indiana | $432 |
| 5 | Minnesota | $451 |
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Frequently Asked Questions
Learn more about health care premiums.
What Factors Determine Your Insurance Premiums?
When considering your premium, insurance companies will look at more than just your age. Most consider whether you smoke. Those who do can expect to pay up to 50% more than those who don’t. Your plan category is also a factor. These can range from Bronze to Platinum to Catastrophic. Each plan has its own costs.
If you have dependents, you can also see higher costs. Your location in your state of residence is important, too. Having a residence in certain areas could mean a higher premium.
Does Workplace Insurance Also Factor In Age?
Yes. Your employer will consider your age when determining group health insurance rates. The cap of three times the rate of a 21-year-old still applies for this type of insurance, however.
What Are the Best Health Care Plan Options for Those Over 65?
Older adults can benefit from enrolling in Medicare, which is available to United States citizens who are 65 or older or those who have a qualifying disability. If you’re employed, you don’t have to leave your employer’s insurance plan to enroll in Medicare, so you can have additional coverage.
If your income falls below a certain level, you can apply for Medicaid. It’s a state and federal program that helps low-income families as well as pregnant women and children in foster care.