How Much Does Health Insurance Cost in San Francisco, CA?
Monthly health insurance premium for individuals. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$976 – $1.952
+144% vs national average
$976$1.464$1.952
LowNational avg: $600High
San Francisco vs State & National Average
| Category | San Francisco | California Avg | National Avg |
|---|---|---|---|
| Average cost | $1.464 | $1.421 | $600 |
| Low estimate | $976 | $1.066 | $450 |
| High estimate | $1.952 | $1.847 | $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 San Francisco?
In San Francisco, CA, health insurance typically costs between $976 and $1.952. The average is $1.464, which is 144% above the national average.
Is San Francisco expensive for health insurance?
San Francisco has a cost-of-living index of 244 (100 = national average). Health Insurance costs are 144% higher than the national average of $600.
What factors affect health insurance costs in San Francisco?
Key factors include local labor costs, cost of materials, market competition, California state regulations, and San Francisco's overall cost of living (index: 244/100). Prices can also vary by season and specific requirements.