Health Insurance for 18-Year-Olds (2026 Plan Year)

Health insurance plans for 18-year-olds average $477 monthly for a Silver-tier plan. Your actual costs depend on location, plan type and coverage level.

Compare health insurance costs and coverage options for 18-year-olds below.

Written by Mark Fitzpatrick

Updated: January 14, 2026

Advertising & Editorial Disclosure

Key Takeaways

Health insurance for 18-year-olds costs $291 to $588 monthly depending on plan tier and location.

Silver plans average $477 monthly for 18-year-olds, with HMOs and EPOs offering lower rates than PPOs.

18-year-olds can lower costs by enrolling in Medicaid, getting employer coverage, staying on a parent's plan or choosing Catastrophic coverage.

How Much Is Health Insurance for an 18-Year-Old?

Health insurance for an 18-year-old is usually inexpensive compared with other age groups, but your exact insurance cost depends on the plan level you choose. Based on MoneyGeek’s analysis, premiums range from about $367 a month for a Bronze plan to $588 a month for a Platinum plan, with Gold and Silver options sitting in the middle. These prices reflect how much protection you want: lower-priced plans come with higher deductibles, while higher-tier plans cost more each month but reduce what you pay when you get care.

The table below shows average costs for different metal levels for an 18-year-old.


Catastrophic	$291	$3,493
Bronze	$367	$4,406
Expanded Bronze	$353	$4237
Silver	$477	$5,723
Gold	$492	$5,901
Platinum	$588	$7,061

*These averages don’t include Marketplace savings. Many 18-year-olds qualify for premium tax credits based on household income, which can reduce prices. Your monthly cost also depends on where you live, the type of plan you choose and how much coverage you want.

HEALTH INSURANCE COSTS VS. HEALTHCARE EXPENSES

Catastrophic and Bronze plans work for young adults who rarely visit the doctor and want the lowest premiums. Silver, Gold and Platinum plans cost more each month but lower what you’ll pay when you actually get care, which makes sense if you take regular medications or want broader doctor and hospital networks.

The Bronze tier is the lowest and most affordable in most states, but some areas may have a Catastrophic tier for healthy 18-year-olds that meet eligibility requirements. Aside from being able to cover emergencies and preventative medicine, Catastrophic plans are also cheaper than Bronze plans but often have a higher deductible. On average, a Catastrophic plan costs $291 per month.

Health Insurance for an 18-Year-Old by State

Health insurance prices vary from one state to another. What you pay at 18 depends on where you live. When we compared rates across the country, Alabama landed on the lower end at about $350 a month, while Alaska was closer to $742. Most states fall somewhere in between; others lean higher or lower. Checking your own state’s average gives you a clearer sense of what a fair premium looks like before you compare plans.

Data filtered by:


Alabama	$349	$4,188

WHEN DO I GET KICKED OFF MY PARENT’S PLAN?

If you are part of your parents’ health insurance, know that coverage will not last forever. All states allow children or young adults to stay on their parents' plan until age 26. However, some states have extended the age limit beyond 26.

Health Insurance Costs for 18-Year-Olds by Plan Type

At 18, health insurance prices can feel steep, so it helps to see how each plan type stacks up in everyday terms. An HMO runs at an average of $477 a month, and it works well if you’re comfortable staying within one network to keep costs predictable. If you want to buy an EPO, then the average is around $437, giving you a bit more choice without jumping to the top price tier. A POS option lands at $474 per month on average, letting you step outside the network when you really need to. The most flexible option is the PPO, which averages at $561 per month, and that higher price reflects the freedom to see almost any doctor.

*Your actual prices depend on the metal tier you choose, your plan type and where you live. The above-mentioned prices are for a typical 18-year-old on a Silver tier, so use these numbers as a ballpark when you start comparing plans in your state.

Data filtered by:


EPO	$437	$5,246
POS	$474	$5,682
HMO	$477	$5,723
PPO	$561	$6,738

TYPES OF HEALTH INSURANCE PLANS FOR 18-YEAR-OLDS

Choosing your first health plan means understanding four main types. Each works differently in terms of doctor choice, referral requirements and costs.

HMOs (Health Maintenance Organizations): HMO plans keep costs low by requiring you to stay within a specific doctor network. You'll select a primary care provider who coordinates your health care and provides referrals to specialists. This option works well if you're comfortable seeing in-network doctors and want predictable, lower monthly premiums.
PPOs (Preferred Provider Organizations): PPO plans offer maximum flexibility. You can see any doctor without referrals, including out-of-network providers (though you'll pay more for out-of-network care). Expect higher premiums, but the freedom makes sense if you travel frequently, move between cities or have established relationships with specific doctors.
EPOs (Exclusive Provider Organizations): EPO plans split the difference between HMOs and PPOs. You must stay in-network like an HMO, but you don't need referrals to see specialists. This middle-ground option costs less than a PPO while giving you more choice than an HMO.
POS (Point-of-Service) Plans: POS plans blend HMO and PPO features. Some require referrals, others don't. Most provide limited out-of-network coverage at higher costs. Premiums typically fall between HMO and PPO rates. Check your plan's specific rules before scheduling appointments to avoid surprise bills.

Where to Find Medical Insurance for 18-Year-Olds

Sorting out health insurance at 18 can feel confusing, especially if it’s your first time choosing a plan. The good news is you’ve got several solid paths, and each one fits a different stage of life: whether you’re working, going to school or still figuring things out. Below is a breakdown of your options and what each one offers, so you can decide what makes the most sense for you right now.

Health Insurance Options for 18-Year-Olds


Parent’s Plan	Most young adults can stay on a parent’s plan until age 26 if the parent has job-based or Marketplace coverage. This is the simplest route if you’re already listed on their policy. Review the plan together so you understand the network and what you might owe for care.
Employer Plan	If you’re working and your job offers health insurance, this is the most affordable option for someone your age. Employer plans cover a wide range of care and often cost less each month than buying a plan on your own.
Medicaid	Many 18-year-olds qualify for Medicaid based on income. It covers essential services like doctor visits, prescriptions and preventive care, at little or no cost. You can check eligibility and apply through your state Medicaid site or HealthCare.gov.
Marketplace Plans (HealthCare.gov)	Marketplace plans let you choose from several coverage levels with built-in benefits like preventive care, prescription drugs and mental health services. Depending on your income, you also get savings that lower your monthly cost.
Buying Directly from an Insurance Company	Some insurers sell plans directly, including short-term coverage. This can fill a temporary gap, but these plans don’t cover things like mental health care, prescriptions or pre-existing conditions, so read the details carefully.
University Health Plans	Colleges often offer student plans with predictable costs and on-campus care. If you're heading to school, this can be an easy way to get care on campus and avoid paying for more insurance than you need.

IS HEALTH INSURANCE MANDATORY?

In the past, individuals could be penalized for not having qualifying health insurance coverage and have to pay a fee. However, as of January 1, 2019, this is no longer the case at the federal level, while five states and Washington, D.C., impose penalties. It's essential to have some form of health insurance to help with medical care. Even a high deductible or Catastrophic plan can be better than getting stuck with enormous medical bills.

Best Health Insurance for an 18-Year-Old

Finding the best health insurance at 18? Most 18-year-olds choose between staying on a parent's plan, buying a marketplace plan or getting coverage through work or school. Your best option depends on your current situation, whether you're working, in college or living independently. The table below shows which path makes sense based on where you are right now.

Health insurance is usually an annual commitment that you can change during annual enrollment periods and, if you qualify, after open enrollment. It’s smart to compare plans yearly to ensure you're still getting the best deal for your needs.

If You're Working Full Time

An employer plan is the easiest and most affordable choice because your job covers part of the cost. If your employer doesn’t offer one, a Marketplace plan is the next strongest option. A quick way to compare plans is to look at the monthly premium, deductible, and which doctors and pharmacies are in-network.

If You’re Self-Employed

You can buy a Marketplace plan that fits your income and budget. Many 18-year-olds also stay on a parent’s or spouse’s plan because it’s simpler and often cheaper. Think about how often you need care as low medical use makes a lower-premium plan a smart fit.

You’re Unemployed or Your Income Is Low

Medicaid is the most affordable option and can provide better coverage than you expect. It includes doctor visits, preventive care, prescriptions and mental health services. Even if someone in your family already has insurance, you still qualify on your own based on your income.

You're a Student

Some colleges offer their own student health plans, which is be great if you want simple, campus-based care. If your school doesn’t offer one, or you prefer more control, Marketplace plans or Medicaid (if you qualify) are solid options. If you’re still on a parent’s plan, check whether the network covers doctors near your school.

If You're Married

A Marketplace family plan or your spouse’s employer plan gives you the best balance of cost and coverage. You can also stay on a parent’s plan until age 26, but compare the networks to ensure you have care that works where you actually live.

Single Parent

An employer plan is the most predictable. If that’s not available, a Marketplace family plan or Medicaid can offer strong coverage for both you and your child. Compare total costs carefully: premiums, deductibles and out-of-pocket limits matter more when you’re covering two people.

Unhealthy or Chronic Illness

For individuals with chronic illnesses or who suffer from bad health, a plan with a higher premium and lower deductible may be best. HMO plans are suitable for individuals comfortable with a limited network, while a PPO plan may be best for those who need specialist care and often need out-of-network coverage.

Bottom Line

Your choices for health insurance at 18 include employer-sponsored plans, marketplace insurance, Medicaid eligibility, or remaining on a parent's policy through age 26.

Marketplace plan costs for 18-year-olds range from $291 monthly for Catastrophic coverage to $588 for Platinum plans. Most young adults choose Silver plans at around $477 monthly. Your decision depends on employment status, college enrollment, health conditions and living situation.

Average Cost of Health Insurance for 18-Year-Olds:FAQ

Young adults who are just starting to explore their health care options may have questions. We’ve addressed some common questions about health insurance for 18-year-olds.

Do I have to have health insurance?

Health insurance isn't federally required since 2019, but five states and Washington, D.C., still mandate coverage. Even without legal requirements, it's a smart move at 18. Health insurance covers medical costs that could drain your savings. Most 18-year-olds qualify for affordable options through parents' plans, employers, Medicaid or Marketplace subsidies.

How long Can you be on your parents' health insurance?

You can stay on a parent's health insurance plan until you turn 26, regardless of whether you live with them, are married, have your own job or attend school. Some states extend coverage past 26 for unmarried dependents. This applies to both job-based and Marketplace plans.

What's the cheapest health insurance for an 18-year-old?

The most affordable health insurance for 18-year-olds depends on their unique needs and situation. Catastrophic plans cost the least at $291 monthly, though they have higher deductibles and limited eligibility. Bronze plans at $367 monthly work for most 18-year-olds who rarely need care. You can lower costs further through Medicaid, employer coverage or staying on a parent's plan until 26.

Do you have to live with your parents to be on their insurance?

Catastrophic plans cost the least at $291 monthly, though they have higher deductibles and limited eligibility. Bronze plans at $367 monthly work for most 18-year-olds who rarely need care. You can lower costs further through Medicaid, employer coverage or staying on a parent's plan until 26.

How do I qualify for insurance at 18?

At 18, you automatically qualify for health insurance through several paths: stay on a parent's plan until 26, enroll through an employer if offered, buy a Marketplace plan at HealthCare.gov, qualify for Medicaid based on income or purchase a college student plan if enrolled.

What's the difference between HMO and PPO plans for 18-year-olds?

HMOs average $477 monthly and require you to stay in-network with a primary care doctor managing referrals. PPOs cost about $561 monthly but let you see any doctor without referrals. Choose HMOs for lower costs, PPOs for flexibility if you travel or prefer specific doctors.

How We Calculated the Average Cost of Health Insurance for 18-Year-Olds

Health insurance costs for 18-year-olds vary widely based on where you live, which plan type you choose and what coverage level you need. We analyzed marketplace data to show what you'll actually pay at 18.

Our Data Source
Plan data comes from the Centers for Medicare & Medicaid Services (CMS) government website. We analyzed individual marketplace plans from multiple insurance providers across all 50 states and Washington, D.C.

Sample Profile Used
All cost data reflects what an 18-year-old pays for health insurance in 2026. This age represents young adults entering the individual marketplace for the first time, whether transitioning from a parent's plan, starting a first job or heading to college.

Coverage Types Analyzed
The analysis includes all metal tiers (Catastrophic, Bronze, Expanded Bronze, Silver, Gold and Platinum) and plan types (HMO, EPO, POS and PPO). This shows the full range from lowest-cost options to comprehensive coverage with maximum flexibility.

State-by-State Analysis
We calculated average costs for each state separately because premiums swing dramatically by location. An 18-year-old in Alabama pays roughly half what someone in Alaska pays for the same Silver plan.

Why This Approach Works for You
Most health insurance cost data mixes all ages together, which inflates what 18-year-olds actually pay. We isolated costs specifically for your age group so you can budget accurately without wading through irrelevant information.

Data Recency
All plan data and premium calculations reflect 2026 marketplace rates, including the latest subsidy structures and state-specific pricing.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.

Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!

He writes about economics and insurance, breaking down complex topics so people know what they're buying.

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sources

HealthCare.gov. "Fee." Accessed January 1, 2026.
HealthCare.gov. "See 2026 plans & prices." Accessed December 1, 2025.