Health Insurance Premium Estimator

Estimate your 2026 ACA marketplace premium and subsidy eligibility. Enter your details below — results appear instantly.

State

Age (18-64)

Plan Type

🥉Bronze 🥈Silver 🥇Gold 💎Platinum

Tobacco User?

No Yes (+50%)

Household Size

Household Annual Income: $40,000

$40,000

Your Estimated 2026 Premium

Full monthly premium (before subsidy) -

Estimated monthly subsidy -

Estimated monthly you pay -

Subsidy eligibility

Income as % of Federal Poverty Level -

Disclaimer: These are estimates based on 2026 ACA benchmark data and federal poverty level thresholds. Actual premiums vary by insurer, county, and plan. This tool does not account for cost-sharing reductions (CSRs), Medicaid eligibility (under 138% FPL), or state-specific programs. Always verify with healthcare.gov or a licensed broker.

Ready to compare real plans in your area?

Compare Plans on healthcare.gov →