Is $750–$1,100 a Month for Health Insurance for Two People Normal?

(And What to Do If You’re Paying Too Much)
Estimated Read Time: 6–7 minutes

Let’s not sugarcoat it.

If you and your partner are paying $800 to $1,100 per month for health insurance, and you’re still paying out-of-pocket for labs, urgent care, or basic doctor visits...

You’re not alone, but you might be in the wrong plan.

This blog breaks down why that price is so common (but not always necessary) and what options you actually have, especially if you’re in decent health.

💰 First — What’s “Normal”?

If you don’t qualify for a government subsidy (most couples earning $65K+ combined), you’re likely seeing ACA plans with premiums in this range:

Prices vary by zip code and age. These are full-price averages (no subsidies).

✅ Free Plan Package ✅

🔥 Why It Feels Expensive

Most people aren’t using their insurance often.
And when they do, they still get hit with bills because their deductible hasn't been met.

So you’re stuck:

• Paying a high premium every month

• Paying for doctor visits, labs, and urgent care on top of that

• Watching your plan do very little when you need it

🤔 So Is That Normal? Technically, yes.

But that doesn’t mean it makes sense.

ACA plans are built for people who:

• Have chronic health conditions

• Qualify for government discounts

• Need pre-existing condition protections

If that’s not you, then you’re probably paying retail for a plan that doesn’t match your situation.

🧠 The Two Plan Types Most People Don’t Understand

Plan TypeBuilt ForBased OnBest ForACA/MarketplaceLower income or high-risk clientsIncomeSubsidized carePrivate PPO PlansRelatively healthy individualsHealth historyDay-to-day coverage

Private PPO plans offer:

• ✅ Lower monthly costs

• ✅ $0 deductibles

• ✅ Nationwide PPO networks

• ✅ No referrals for specialists

• ✅ Day-one coverage for visits, labs, and urgent care

• ✅ Out-of-pocket caps that stop the bleeding

💡 Real Case Study: Kevin & Rachel, Tampa FL

• Ages: 37 & 34

• Monthly Premium: $978 on an ACA Silver Plan

• Deductible: $6,400

• No prescriptions, no dependents

They rarely used their plan and paid almost $12,000 a year for it.

We helped them switch to a private PPO:

• New Premium: $514/month total

• Deductible: $0

• $25 urgent care copay

• Labs and doctor visits included

They saved over $5,000 a year and finally had coverage they could actually use.

🧮 Not Sure What You Should Be Paying?

That’s the biggest issue. Most couples never see what else is available.
Instead of just giving you a random quote, I’ll build something custom for you.

🎁 I’ll Send You a Free Personalized Plan Package Built for Two

Here’s what you’ll get:

• A side-by-side comparison of ACA vs private plans

• Options tailored to your income and health

• PPO networks with day-one benefits

• All pricing, deductible info, and provider access laid out clearly

• My professional recommendation based on your goals

This is not a sales call. You get the full breakdown first, then decide.

👉 Click Here to Request Your Free Plan Package

✅Free Plan Package ✅

Or text “FREE2025” to (954) 405-2879 and I’ll reply directly.

📝 What I Need From You

To send your package, I just need:

• Your First & Last Name

• Your Phone Number

• Your Email

• Estimated Annual Household Income

• Any major pre-existing conditions (like cancer, pregnancy, etc.)

That’s it. No spam. No pressure. Just clarity.

I’ll send your full plan package within 24–48 hours.

🎯 Final Thought

If you're paying close to $1,000 each month for coverage that barely works, it’s time to look at options that match how you actually use insurance.

Because coverage is supposed to protect you and give you peace of mind, not drain your wallet for nothing in return.

Let me help you find something smarter.

👉 Click Here to Request Your Free Plan Package

✅Free Plan Package ✅

Or text “FREE2025” to (954) 405-2879 and I’ll reply directly.