Insurance Costs: What to Expect Across the U.S.

Here are real numbers to help you understand insurance costs before you even pick up the phone.

Medicare Costs (2026)

• Part B premium: $202.90/month
• Medigap Plan G (age 65): $100 to $250/month
• Medicare Advantage: Many at $0 premium (beyond Part B)
• Part D: $0 to $100+/month

ACA Marketplace (Before Subsidies)

• Age 30: $350 to $550/month
• Age 45: $450 to $700/month
• Age 60: $800 to $1,300/month
• Family of 4: $1,200 to $2,000/month

With subsidies: Many pay 50 to 90% less than these numbers.

Life Insurance (20-Year Term, Preferred)

• Age 30, $500K: $20 to $30/month
• Age 40, $500K: $30 to $50/month
• Age 50, $500K: $70 to $130/month

Supplemental Benefits

• Dental: $25 to $60/month
• Vision: $10 to $25/month
• Hospital indemnity: $20 to $60/month
• Critical illness: $25 to $80/month