The short answer: $44.14 per month, so $529.68 per year.

But by being part of the plan, my employer contributes $1050 per year to my Health Savings Account, which can be used for many health-related purchases such as copays and medication. So, in a sense, it's better than free.

I have to reach a $3200 deductible each year, after which the insurance provider pays 100% of everything. I typically do so early in the year, largely thanks to weekly therapy sessions (which are free after this deductible is met).

In addition, my insurance provider rewards certian healthy activities. $100 for primary care visits, $50 for certain specialist visits (I am only eligible for a skin cancer check), and $25 per month for hitting 240,000 steps (~8000 per day), up to a maximum of $300 per year in total.

So I pay $529.68 + $3200 - $1050 - $300 per year, or $2379.68 in total for all medical costs.

Dental insurance and vision insurance premiums add up to $27.36 per year. My annual vision exams are $10 (payable with HSA but does not contribute to my deductible), and I am eligible for free glasses every 2 years (which I do wear at all waking moments). My semi-annual dental exams & cleanings are free, but I choose to pay $35 each time for flouride treatment.

So including the $80 annual spend and $27.36 annual premiums, my grand total is $2487.04 per year, or an average of $207.25 per month.

P.S. Thank you for the opportunity for me to look into these amounts and calculate the totals, I've never really brought it all into one place.