How Much Does Health Insurance Cost in Springfield, IL?
Springfield pricing is 15% below the national average. Updated for 2026.
Based on local labor rates, varied climate conditions, and Springfield's diversified economy.See our methodology
Health Insurance Pricing in Springfield, IL
Springfield is one of the more affordable markets for health insurance, with costs running about 15% below the national average. The city's diversified economy and balanced labor market create favorable conditions for competitive pricing. Getting multiple quotes from the 115K-population metro area is straightforward.
Local climate plays a direct role in health insurance costs here. Harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations.
Market-specific factors matter in Springfield: moderate cost of living keeps contractor rates affordable.
Springfield has moderate permitting requirements. Depending on the scope of your health insurance project, you may need local permits. A licensed contractor will handle the permitting process as part of the job in most cases.
Springfield vs National Average
What Affects Health Insurance Cost in Springfield?
Plan Tier
Bronze: $250-$400/mo. Silver: $350-$550/mo. Gold: $450-$700/mo. Platinum: $550-$800/mo
Age
26-year-old: $250-$400. 40-year-old: $350-$550. 60-year-old: $600-$1,000
Springfield Market Conditions
moderate cost of living keeps contractor rates affordable
Local Climate Impact
harsh winters and hot summers mean year-round service needs; freeze-thaw cycles affect foundations
📐 Health Insurance in Springfield Cost Calculator
Get a personalized estimate based on your project details
Compare Insurance Rates
See how much you could save with free quotes from top carriers.
Top-Rated Health Insurance Pros in Springfield, IL
4 providersPatriot Home Services
✅ VERIFIEDQuality Home Services
First Choice HVAC Solutions
Are You a Health Insurance Professional?
Get listed on CostWhale and reach thousands of customers searching for health insurance in Springfield, IL.
🔍 Compare Insurance Rates
See how much you could save. Compare quotes from top insurance companies in minutes.
* CostWhale may earn a commission. This doesn't affect our pricing data or recommendations.
Tips to Save on Health Insurance in Springfield
- 1.Check ACA marketplace for subsidies — most people qualify
- 2.Higher deductible plans have lower premiums if you're healthy
- 3.Compare plans during open enrollment
- 4.Use HSA-eligible plans to save pre-tax dollars
📈 Health Insurance in Springfield Cost Trends (2020–2024)
Prices have increased +17.8% over the last 5 years
| Year | National Avg | YoY Change |
|---|---|---|
| 2020 | $325 | — |
| 2021 | $339 | +4.3% |
| 2022 | $361 | +6.5% |
| 2023 | $371 | +2.8% |
| 2024 | $383 | +3.2% |
Based on national averages adjusted for annual inflation. Actual costs vary by location and project scope.
💬 What Did You Pay?
Real costs reported by homeowners for Health Insurance in Springfield
Recent Reports
Frequently Asked Questions
What's the cheapest health insurance?
Catastrophic plans are cheapest ($150-$250/mo) but only available to those under 30. Otherwise, Bronze plans are the most affordable.
Why does health insurance cost different in Springfield than other cities?
Springfield's costs reflect local labor rates driven by the diversified economy, varied climate conditions that affect materials and scheduling, and moderate permitting requirements. The balanced labor market also influences competitive pricing.
Health Insurance Cost in Nearby Cities
Related Cost Guides for Springfield
Popular Services in Springfield
💰 Get Weekly Cost-Saving Tips
Join 10,000+ smart homeowners. Unsubscribe anytime.