Key Takeaways The average American aged 45 to 54 spent $6,748 on health insurance. This average masks huge variation: the top 10% of working families spend more than $14,800 annually, often due to chronic conditions or high-deductible plans that require thousands before coverage kicks in. When you add insurance premiums, deductibles, co-pays, and prescriptions, typical spending jumps to $3,000-$6,000 annually. Americans ages 45-54 spent an average of $6,748 on health care in 2024—up from $6,338 t ...