Estimate your potential health insurance costs in less than 60 seconds. Get your monthly and annual premium estimate based on your unique profile.
The amount you pay to keep your health plan active.
The amount you pay before your plan starts paying.
A fixed amount you pay for certain covered services.
The percentage of costs you share after your deductible.
The most you'll pay in a plan year for covered services.
Age 30, individual, low usage.
$350–$500/moAge 28, moderate usage.
$800–$1,200/mo2 adults, 2 children, moderate usage.
$1,400–$2,200/moIndividual, high usage.
$600–$900/moHealth insurance is a plan that shares the cost of medical care between you and an insurer, in exchange for a monthly premium.
The amount you pay out of pocket for covered care before your insurance starts paying its share.
The most you'll pay in a plan year — after you hit it, your plan covers 100% of covered costs.
HMOs are cheaper but require referrals and in-network care. PPOs cost more but offer more flexibility to see any provider.
If you're covering a spouse or children, a family plan is usually more cost-effective than separate individual plans.
Yes — self-employed individuals typically buy through a Marketplace/exchange and may qualify for income-based subsidies.
Health insurance is typically employer-sponsored, purchased via the ACA Marketplace, or through Medicare/Medicaid. Costs vary heavily by state, insurer network, and subsidy eligibility.
This calculator provides educational estimates only. It does not guarantee eligibility or pricing. Actual premiums and coverage vary by insurer, location, and underwriting.
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