US health insurance estimator
Free US health insurance calculator. Estimate your ACA marketplace monthly and annual premium from age, plan tier, household size and more — instant, private, no sign-up.
How to use
- Enter your age. Add your age. The ACA caps how much more older adults pay at three times the youngest-adult rate, and the estimate reflects that.
- Pick a plan tier. Choose bronze, silver, gold or platinum. Higher metals cover more of your care but cost more each month.
- Add household and details. Set how many people are covered, tobacco use, your state cost level and deductible. A higher deductible lowers the premium.
- Review your estimate. See your estimated monthly and annual premium before subsidies, the typical range, and a tier-by-tier comparison.
Features
- ACA-aware rating. Reflects ACA rules like 3:1 age rating and the tobacco surcharge, plus metal-tier actuarial differences.
- Monthly, annual and a range. Shows both monthly and annual cost plus a low–high band for the real spread between plans and states.
- Metal-tier comparison. Compares bronze, silver, gold and platinum side by side so you can weigh premium against coverage.
- Subsidy reminder. Clearly flags that income-based tax credits can lower your net premium well below this sticker estimate.
- 100% private. All maths runs in your browser. Your details are never uploaded, stored or shared.
When to use it
- Getting a rough marketplace premium before open enrollment
- Comparing bronze vs silver vs gold in real dollars
- Estimating family coverage cost as household size changes
- Understanding how age affects your premium under ACA rules
- Budgeting healthcare costs when self-employed or between jobs
Is it private?
Every calculation runs in your browser. Your age, household and plan details are never uploaded, stored or shared.
Frequently asked questions
Is this a real health insurance quote?
No. It is an educational estimate of the pre-subsidy premium based on published benchmark data and ACA rating rules. Your actual plan prices depend on your exact county, insurer and plan, so check HealthCare.gov or your state marketplace for real quotes.
Does it include subsidies?
No. It shows the premium before income-based premium tax credits. Many people qualify for subsidies that significantly reduce the net cost, so your actual payment may be much lower.
How is age handled?
The ACA limits the oldest-to-youngest premium ratio to 3:1 and bars rating on health status, so the estimate rises with age within that cap rather than on medical history.
What do the metal tiers mean?
Bronze, silver, gold and platinum describe how costs are split between you and the insurer. Higher metals have higher premiums but lower out-of-pocket costs when you use care.
Do the rates stay accurate?
Benchmark premiums change each plan year, so each estimate shows its data vintage. The structural rating rules are more stable.
Is my information private?
Yes. Everything runs locally in your browser with no upload, no storage and no sign-up.
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