Family health insurance cost per month: what drives it
- Ages of each adult (older adults pay more).
- Where you live — prices vary by county.
- Plan type and network — PPOs cost more than HMOs.
- Coverage level — spouse, children or the whole family.
Family health insurance plans and options
| Option | Good for |
|---|---|
| Private PPO family plan | Families who want a national PPO network and year-round enrollment |
| Parents on one plan, kids on CHIP | Families whose children qualify for CHIP |
Steps to compare
- List everyone's ages, doctors and prescriptions.
- Estimate household MAGI for the year.
- Compare total yearly cost, not just premiums.
- Check pediatric dental and vision.
Affordable family health insurance and quotes
For a health insurance quote for a family of 4, we need each person's age and your ZIP code. Affordable family health insurance often comes from choosing the right coverage level and plan, such as Ameristead family coverage from $789 a month. Family health insurance quotes are free, and we never charge you a fee for our help.
Kids aging off your plan? Read health insurance for young adults turning 26.
Shopping for just the two of you? See health insurance for married couples and partners, or take the family health insurance quiz.
Frequently asked questions
How much is family health insurance per month?
It varies widely by ages, location, income and plan type. Use our quote form for an estimated range, then a licensed agent will price real plans.
Can kids be on a different plan than parents?
Yes. Children can be on a different private plan or on CHIP.
Families who want a national network often compare Amerus Summit health plans on the Cigna network, with PPO, EPO and HSA options.
Families who want tax-advantaged savings can look at an HSA-qualified plan.
Related guides
Health insurance guides by state
Deadlines, exchanges, average premiums and short-term plan rules differ by state. Popular state guides:
Plan availability and eligibility are determined by the carrier.