The average monthly cost of health insurance for a single person in 2025 varies depending on factors such as age, location, and plan type. Here are key figures:

• The average premium for a Silver plan on the ACA marketplace is about $621 per month for a 40-year-old, which is a 7% increase from 2024

• Another estimate puts the average monthly premium for individual ACA plans around $539 to $590 per month in 2025 before subsidies

• Costs vary significantly by state. For example, West Virginia averages $864 per month, while Maryland averages $384 per month for similar coverage

• Most people buying insurance through HealthCare.gov or state marketplaces receive subsidies, which can drastically reduce monthly premiums. About 80% of people qualify for subsidies that can lower costs to $10 or less per month

• Employer-sponsored health insurance premiums average about $114 per month for employees, with employers paying more on average

In summary, a single person can expect to pay roughly $539 to $621 per month for a typical ACA Silver plan before subsidies in 2025, but actual costs depend heavily on subsidies, state, and plan choice. Subsidies often reduce the cost to a much lower amount for most people