Average health insurance premium cost was $6,715 per year (about $560 per month) in 2018 for an individual employee. See table of costs for single person policy. Costs are for employee enrollees. Only three states managed to come in, just barely, under $6,000 for a year for one person: TN, AR and MS. Employee contributions were the lowest in Hawaii at about $63 per month, and in Washington state, at about $80 per month. Employer contributions picked up the rest of the cost. Employees paid on average $159 per month in Massachusetts, the highest contribution. Average single employee contribution in US was about $119 per mo. ($1,427 per year) or 21% of the total premium; employers paid 79% of single coverage premiums on average. Compare how much a month health insurance costs in each state. Benefit coverage varies by state and policy. Kaiser Family Foundation (KFF) prepared the tables using MEPS data (Medical Expenditure Panel Study).