 Right now, Americans pay more for health insurance than ever before. On the Affordable Care Act exchanges, the average monthly unsubsidized insurance premium on a silver-tier plan is $483 for a 40-year-old. For a family of four, the average unsubsidized is $1,600 per month, and the average deductible is $5,000. So this is the amount that the patient is paying before they benefit from the plan.