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Obviously I know it can vary but I just want an idea. I am a female in my 20s and I was wondering what a policy would cost if I didn’t go through an employer for health insurance. Can someone provide a ballpark area for the cost? Thank you

4 Thoughts on How much would an individual health insurance plan cost for me?
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    Quick Answers
    January 29, 2013 at 6:00 am

    $ 500 a month? That’s what my 25 year old nephew was quoted.

  2. Reply
    January 29, 2013 at 6:25 am

    It depends on your state because in some states nobody can find insurance for under $ 400. But in my state a 24 year old female non-smoker, with no pre-existing conditions and within the height and weight guidelines can choose from policies ranging from $ 38.44 to $ 466. The costs will be higher if you smoke, are overweight, have pre-existing conditions or am an age other than 24.

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    Shaun M
    January 29, 2013 at 6:50 am

    I am an insurance agent licensed to sell health insurance in Texas. I ran quotes for a 25 year old female using my home zip code in Travis County, Texas. I normally quote the big four; BCBS of Texas, Humana, Aetna and Golden Rule (part of United). For an individual plan with a $ 2,500 deductible and 80% coinsurance (where I always start with individual quotes) and I got prices ranging from $ 147 to $ 237 per month. You can go to the websites for these carriers and run quotes for yourself. They may even be a little lower if you don’t go through a broker. These rates aren’t guaranteed but they give you a good starting point. Of course your age and where you live can affect the prices I just gave.
    Good luck!

  4. Reply
    January 29, 2013 at 7:18 am

    Without maternity benefits, no preexisting conditions, not being overweight, assuming you’re not in one of the six “guaranteed issue states”, with a $ 5,000 deductible at the age of 22, it could be as low as $ 75 a month.

    With maternity benefits, preexisting conditions, being overweight, with a $ 500 deductible, at the age of 29, it could be $ 2,000 or more.

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