Average premiums, recommended plan types, and key considerations for 25-year-olds in 2026
Avg. $328/mo · HDHP + HSA or Catastrophic RecommendedAt 25, you are likely healthy with minimal healthcare needs. A Catastrophic or HDHP plan gives you the lowest monthly cost while still protecting against major medical events. If your employer offers an HSA-eligible HDHP with matching contributions, this is often the best choice. The money you contribute to an HSA grows tax-free and can be invested, making it a powerful long-term savings vehicle even beyond healthcare.
| Plan Type | Monthly Premium | Annual Premium | Typical Deductible | OOP Maximum |
|---|---|---|---|---|
| Catastrophic | $180 | $2,165 | $9,450 | $9,450 |
| HDHP | $223 | $2,676 | $4,000-$7,000 | $7,000-$9,450 |
| Bronze | $269 | $3,228 | $5,000-$8,000 | $8,000-$9,450 |
| Silver | $328 | $3,936 | $3,500-$5,500 | $6,000-$8,500 |
| Gold | $397 | $4,763 | $1,000-$2,500 | $5,000-$7,500 |
| Platinum | $476 | $5,707 | $0-$500 | $2,000-$4,000 |
National average estimates for 2026 before subsidies. Actual premiums vary by state, insurer, and zip code.
See actual plan prices and coverage in your zip code.
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