Data
Beware When You Turn 45: Health Insurance Premiums Take a Big Leap
A study of 2026 average premium in the ACA Marketplace
The short answer
As you approach age 45, expect a noticeable jump in your health insurance premiums. We examined 2026 data from HealthCare.gov, focusing on how monthly premiums for Bronze plans in Chicago increase with age. Check out this interactive chart.
As you approach age 45, expect a noticeable jump in your health insurance premiums. We examined 2026 data from HealthCare.gov, focusing on how monthly premiums for Bronze plans in Chicago increase with age. Check out this interactive chart.
Premiums rise gently through your 30s, then climb steeply after 45: from about $464/month at age 45 to $964 by age 64, roughly triple the $323 a 25-year-old pays.
Show the data (51 rows)
| Age | Monthly premium (USD) |
|---|---|
| 0-14 | $246 |
| 15 | $268 |
| 16 | $276 |
| 17 | $284 |
| 18 | $293 |
| 19 | $302 |
| 20 | $312 |
| 21 | $321 |
| 22 | $321 |
| 23 | $321 |
| 24 | $321 |
| 25 | $323 |
| 26 | $329 |
| 27 | $337 |
| 28 | $349 |
| 29 | $360 |
| 30 | $365 |
| 31 | $373 |
| 32 | $380 |
| 33 | $385 |
| 34 | $390 |
| 35 | $393 |
| 36 | $395 |
| 37 | $398 |
| 38 | $401 |
| 39 | $406 |
| 40 | $411 |
| 41 | $419 |
| 42 | $426 |
| 43 | $436 |
| 44 | $449 |
| 45 | $464 |
| 46 | $482 |
| 47 | $502 |
| 48 | $526 |
| 49 | $548 |
| 50 | $574 |
| 51 | $599 |
| 52 | $627 |
| 53 | $656 |
| 54 | $686 |
| 55 | $717 |
| 56 | $750 |
| 57 | $783 |
| 58 | $819 |
| 59 | $837 |
| 60 | $872 |
| 61 | $903 |
| 62 | $924 |
| 63 | $949 |
| 64 and over | $964 |
Source: HealthCare.gov, 2026 plan year
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