How Much Does Health Insurance Cost in Chicago, IL?
Monthly health insurance premium for individuals. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$428 – $856
+7% vs national average
$428$642$856
LowNational avg: $600High
Chicago vs State & National Average
| Category | Chicago | Illinois Avg | National Avg |
|---|---|---|---|
| Average cost | $642 | $640 | $600 |
| Low estimate | $428 | $480 | $450 |
| High estimate | $856 | $832 | $780 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Low estimate | $400 | $480 | |
| Average | $540 | $660 | |
| High estimate | $640 | $800 |
Health Insurance in Nearby Cities
Frequently Asked Questions
How much does health insurance cost in Chicago?
In Chicago, IL, health insurance typically costs between $428 and $856. The average is $642, which is 7% above the national average.
Is Chicago expensive for health insurance?
Chicago has a cost-of-living index of 107 (100 = national average). Health Insurance costs are 7% higher than the national average of $600.
What factors affect health insurance costs in Chicago?
Key factors include local labor costs, cost of materials, market competition, Illinois state regulations, and Chicago's overall cost of living (index: 107/100). Prices can also vary by season and specific requirements.