Health insurance inflation, 2005–2026

Prices are 38.35% higher than in 2005, according to the Bureau of Labor Statistics.

Health Insurance Inflation Calculator

$

Prices for Health Insurance, 2005-2026 ($20)

According to the U.S. Bureau of Labor Statistics, prices for health insurance are 38.35% higher in 2026 versus 2005 (a $7.67 difference in value).

Between 2005 and 2026, Health insurance experienced an average inflation rate of 1.56% per year. In other words, health insurance costing $20 in the year 2005 would cost $27.67 in 2026 for an equivalent purchase. Compared to the overall inflation rate of 2.56% during this same period, inflation for health insurance was lower.

Price Inflation for Health insurance since 2005

Consumer Price Index, U.S. Bureau of Labor Statistics
Years with the largest changes in pricing: 2023 (-22.78%), 2020 (15.86%), and 2019 (14.54%).

The official rate is based on an average household's spending, so your own inflation rate is probably different. The personal inflation calculator works it out from your budget.

View price changes for other categories
Seattle, Washington · Denver, Colorado · Jewelry · Dental services · More

Buying power of $20.00 since 2005

Below are calculations of equivalent buying power for Health insurance, over time, for $20 beginning in 2005. Each of the amounts below is equivalent in terms of what it could buy at the time:

YearUSD ValueInflation Rate
2005$20.00-
2006$20.623.09%
2007$22.7010.12%
2008$22.840.62%
2009$22.11-3.23%
2010$21.33-3.53%
2011$21.10-1.07%
2012$23.6612.13%
2013$24.593.97%
2014$24.42-0.70%
2015$24.711.19%
2016$26.356.64%
2017$26.791.65%
2018$27.091.13%
2019$31.0314.54%
2020$35.9515.86%
2021$34.39-4.34%
2022$39.2013.97%
2023$30.27-22.78%
2024$28.57-5.59%
2025$29.463.10%
2026$27.67-6.08%*

* Not final. See inflation summary for latest details.
** Extended periods of 0% inflation usually indicate incomplete underlying data. This can manifest as a sharp increase in inflation later on.

Raw Consumer Price Index data from U.S. Bureau of Labor Statistics for Health insurance:

Year2005200620072008200920102011201220132014201520162017201820192020202120222023202420252026
CPI100.000103.092113.520114.221110.527106.627105.484118.280122.973122.108123.567131.774133.947135.463155.160179.771171.968195.988151.335142.869147.303138.349

Adjust health insurance prices for inflation

Start with the inflation rate formula:

CPI in 2026 / CPI in 2005* 2005 USD value = 2026 USD value

Then plug in historical CPI values from above. The CPI for Health insurance was 100.000 in the year 2005 and 138.349 in 2026:

138.349 / 100.000* $20 = $27.67

Therefore, according to U.S. Bureau of Labor Statistics, $20 in 2005 has the same "purchasing power" as $27.67 in 2026 (in the CPI category of Health insurance).

Source: U.S. Bureau of Labor Statistics began tracking the Consumer Price Index for Health insurance in 2005. In addition to health insurance, the index produces monthly data on changes in prices paid by urban consumers for a variety of goods and services.