Health Insurance Calculator 2026
Calculate your monthly health insurance premium with ACA marketplace subsidies. Compare plan tiers and see your estimated costs.
🏥 Calculate Health Insurance Cost
Your Monthly Cost$0
Full Monthly Premium$0
ACA Subsidy (Tax Credit)$0
Your Annual Cost$0
Annual Deductible$0
Out-of-Pocket Maximum$0
ACA Marketplace Plan Tiers
| Plan | Premium | Deductible | You Pay | Best For |
|---|---|---|---|---|
| Bronze | Lowest | ~$7,000 | 40% | Healthy, rarely use healthcare |
| Silver | Moderate | ~$4,500 | 30% | Most people, subsidy eligible |
| Gold | Higher | ~$1,500 | 20% | Frequent doctor visits |
| Platinum | Highest | ~$0 | 10% | Chronic conditions, regular care |
💡 ACA Subsidies
If your household income is under 400% of the Federal Poverty Level (~$60,240 for a single person in 2026), you likely qualify for premium tax credits that lower your monthly cost. Silver plans offer the best subsidy value through cost-sharing reductions.