Health Insurance Premium Calculator
Estimate your monthly health insurance premium based on age, family size, income, location, and plan tier. See costs for Bronze, Silver, Gold, and Platinum plans.
Frequently Asked Questions
How much does health insurance cost per month?
The average monthly health insurance premium for an individual is $400-$700 depending on plan tier, age, and location. A Silver plan for a 40-year-old individual averages about $500/month before subsidies. Family plans average $1,200-$2,000/month.
What are the ACA plan metal tiers?
ACA plans come in four tiers: Bronze (covers 60% of costs, lowest premiums), Silver (70% coverage), Gold (80% coverage), and Platinum (90% coverage, highest premiums). There are also Catastrophic plans for people under 30.
Do I qualify for health insurance subsidies?
You may qualify for premium tax credits if your household income is between 100-400% of the federal poverty level (FPL). For 2026, that is roughly $15,000-$60,000 for an individual. Use our marketplace subsidy calculator for a personalized estimate.