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How much is average health insurance per month? The average cost of health insurance in the United States is approximately $500 per month for individual coverage and approximately $1400 per month for family coverage.
Families pay more than a single individual in general, but the cost per person goes down because children are cheaper to insure. A married couple age 45 (and not eligible for subsidies) would owe $7,322 per year, or twice as much as a single person.The cost then rises by about $1,600 per child, but beyond the third child the premium will stop going up. So, in the national-average example, the annual premium for a five-person family is $12,151.he same plan would cost you $5,106 per year ($426 a month) if you live in San Francisco (a higher-cost area) or $6,525 per year ($544 per month) if you live in rural Albany, Ga., where thereâs only one insurer offering coverage.