25 States with the Most Affordable Healthcare Costs

7. Pennsylvania

Average monthly premium: $490

Average silver deductible: $1,733

Pennsylvania also expanded Medicaid under the Affordable Care Act and can now boast the lowest average silver deductible across all states. Although the state offers rather low health insurance costs, there was a slight decline in the enrollment percentages in 2020, compared to the previous year.

6. Tennessee

Average monthly premium: $435

Average silver deductible: $3,938

Tennessee is one of the most affordable places in terms of healthcare costs. Residents can benefit from low average monthly premiums, much lower than in most states in the country. Healthcare charges escalated between 2016-2017 but people had the opportunity to shop around, compare prices, find the best deals for their budgets and even save money in the process, according to Nashville Public Radio.

5. Alabama

Average monthly premium: $439

Average silver deductible: $3,600

If you live in Alabama, you live in one of the best states for health coverage costs. During the 2019 open enrollment period, 166,128 people signed up for health insurance while this year, the number dropped to 160,429 people, according to the Centers for Medicare & Medicaid Services.

If you want to know more about health coverage, check out these 7 Unexpected Things Medicare Does Not Cover.

4. Idaho

Average monthly premium: $415

Average silver deductible: $3,663

Idaho is in the top 5 states with the lowest monthly premiums in the country. Authorities are trying to expand the healthcare coverage and provide even more options to residents of Idaho, especially to those with lower incomes, according to, Idaho’s KTVB.

3. Utah

Average monthly premium: $423

Average silver deductible: $2,950

When it comes to the average monthly premium, Utah has the third-lowest premiums in the United States. Most states using HealthCare.gov reported a drop in enrollment numbers from 2016 to 2017, but Utah avoided such a decline, and saw the third-highest year-over-year enrollment growth, reports, the Associated Press reported.

2. Oklahoma

Average monthly premium: $445

Average silver deductible: $1,863

Oklahoma can boast with the second-lowest silver deductible in the United States. Although a 2017 attempt to further decrease the health insurance costs was rejected by the federal government, Oklahoma maintained low prices and even saw a record high in open enrollment in 2020, with 158,642 Oklahoma residents signing up for health insurance.

See also 14 States Where Your Pension Won’t Get Taxed.

1. Hawaii

Average monthly premium: $411

Average silver deductible: $2,750

Hawaii is the best state in terms of cheap health insurance costs. “The Paradise of the Pacific” provides the lowest average monthly premiums in the nation. Hawaii is one of the few states where exchange enrollment saw an annual growth from 2014 through 2019, with a slight decline in 2020, according to West Hawaii Today.

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