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Health Insurance Premium Estimator

Ballpark monthly health insurance premiums by metal tier (Bronze/Silver/Gold/Platinum), age, state, and family size. Includes government subsidy estimate.

State

Your age (or oldest adult)

Metal tier

Tobacco use?

Family structure

Annual household income

⚠️ This calculator provides a ballpark estimate based on industry averages and publicly available data. Your actual premium depends on factors we cannot verify (credit score, claims history, exact vehicle/property details, carrier underwriting). This is not insurance advice. Compare actual quotes from licensed carriers before purchasing. Full disclaimer.

Frequently asked questions

What's the difference between Bronze, Silver, Gold, and Platinum?

Metal tiers represent how you and the insurer split costs. Bronze plans have the lowest monthly premium (you pay ~40% of costs) but the highest deductibles. Platinum plans have the highest premium (you pay ~10%) but lowest out-of-pocket costs. Silver is the ACA benchmark used for subsidy calculations.

Will I qualify for a government subsidy?

The Affordable Care Act provides premium tax credits for households earning between 100% and 400% of the Federal Poverty Level. Our calculator gives a rough estimate — the actual subsidy depends on your state, plan choice, and exact household situation.

Why are premiums so different by state?

Each state runs its own insurance marketplace with different regulations, competition levels, provider costs, and health trends. Massachusetts, Oregon, and California have well-functioning markets; others like Alabama and Oklahoma have fewer options and higher prices.