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Cost calculator

Estimate your total 2026 health insurance cost

Six inputs, one number. Combines age, state, income, family size, plan tier, and usage to estimate your full annual healthcare bill (premium plus expected cost sharing).

Your details

Inputs

40
$
351% of FPL (1 person)
Plan tier
Expected healthcare usage
Estimated total cost
$7,134
total per year
Cost summary
Silver plan, moderate usage
Full-price premium
$662/mo
Premium tax credit
-$205/mo
Net premium
$457/mo
Annual premium
$5,484
Expected cost sharing
$1,650
Total annual cost
$7,134
Subsidy detailCompare plan tiersLower your bill

How this estimate is calculated

Premium: plan year 2026 national figures by metal tier, derived county by county from the CMS Health Insurance Exchange public use files (public domain, snapshot 2026-09-06), multiplied by the age factor implied by those same filings and by the state's benchmark relative to the $615 national average.

Subsidy: 2026 IRS applicable percentage tables. Premium tax credit equals the benchmark Silver premium minus the expected contribution percentage of household income, between 100 and 400 percent FPL.

Cost-sharing reduction: For Silver plans below 250 percent FPL, the effective actuarial value rises (94% below 150% FPL, 87% below 200%, 73% below 250%).

Cost sharing: Expected medical spending at the chosen usage level, adjusted by the plan's actuarial value, capped at the OOP maximum.

Estimates are illustrative. Actual quotes depend on specific carrier, plan, county, tobacco status, and exact household composition. Verify with HealthCare.gov or your state marketplace before enrolling.

Reader questions

A cost on this page that still does not add up?

Put it in an email. A person reads it, and any answer we send names the file the figure came out of, normally a CMS public use file or an HHS poverty level table, so you can open the same source. If the question turns out to be one many readers have, we may publish it here stripped of anything identifying, and we will ask you first.

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We cannot tell you what you will pay or what a plan will cover, and none of this is insurance or financial advice. Your plan documents, your insurer and the official marketplace are the authority on coverage. Eligibility, subsidy and enrollment decisions belong with a licensed agent, the marketplace, or the insurer.