Health Insurance Cost Calculator 2025 | Free ACA Subsidy Estimator
Calculate your ACA Health Insurance costs, premium tax credits, and subsidies based on your income and family size.
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Income & Household
Expected Annual Healthcare Use
Your Estimated Annual Costs
Total Estimated Annual Cost
Cost Breakdown
Compare ACA Plan Types
Bronze Plans
60% coverage on average
- • Lowest monthly premium
- • Highest deductible (~$7,000)
- • Good for healthy individuals
- • Catastrophic protection
Silver Plans
70% coverage on average
- • Moderate monthly premium
- • Medium deductible (~$4,500)
- • Qualifies for CSR benefits
- • Most popular choice
Gold Plans
80% coverage on average
- • Higher monthly premium
- • Lower deductible (~$2,000)
- • Good for regular healthcare users
- • More predictable costs
Platinum Plans
90% coverage on average
- • Highest monthly premium
- • Lowest deductible (~$500)
- • Best for chronic conditions
- • Maximum coverage
Understanding ACA Subsidies & Cost-Sharing Reductions
💰 Premium Tax Credits
- Available for incomes 100-400% of Federal Poverty Level
- Reduces monthly premium costs
- Can be applied directly to premium or claimed on taxes
- Available for all metal tiers (Bronze, Silver, Gold, Platinum)
🛡️ Cost-Sharing Reductions
- Available for incomes 100-250% of Federal Poverty Level
- Only available with Silver plans
- Reduces deductibles, copays, and out-of-pocket maximums
- Can reduce deductibles by up to 87%
Cost-Sharing Reduction Benefits by Income Level
| Income Level (% of FPL) | Plan Type | Actuarial Value | Typical Deductible Reduction | Out-of-Pocket Max |
|---|---|---|---|---|
| 100-150% FPL | Enhanced Silver | 94% Coverage | Up to 87% reduction | ~$2,850 |
| 150-200% FPL | Enhanced Silver | 87% Coverage | Up to 73% reduction | ~$7,200 |
| 200-250% FPL | Enhanced Silver | 73% Coverage | Up to 50% reduction | ~$8,000 |
| Standard Silver | Regular Silver | 70% Coverage | No reduction | ~$9,200 |
* Amounts are estimates based on 2025 projections. Actual amounts may vary by insurer and plan.
Understanding Health Insurance Costs
Premium
Monthly payment for your health insurance plan
Deductible
Amount you pay before insurance starts covering costs
Copayment
Fixed fee you pay for covered healthcare services
Out-of-Pocket Max
Maximum amount you pay per year for covered services
Additional Tools & Educational Resources
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Medicare Open Enrollment 2025
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Understanding Medicare Advantage Costs
FeaturedBreak down premiums, deductibles, copays, and out-of-pocket maximums for Medicare plans
Prescription Drug Coverage in Medicare
Everything about Part D coverage, formularies, pharmacy networks, and drug costs
Dental and Vision Benefits in Medicare Plans
Comprehensive guide to supplemental benefits available in Medicare Advantage plans
Need Personal Guidance?
Our licensed insurance experts can walk you through any of these resources and help you apply the information to your specific situation.
Related Insurance Services & Tools
Use these tools to compare options, then connect with our agents for enrollment assistance.
Health Insurance Marketplace
ACA plans with premium tax credits and cost-sharing reductions
Medicare Advantage Plans
HMO & PPO plans with extra benefits like dental, vision, and prescription coverage
Medicare Part D
Prescription drug coverage with formulary lookup and cost comparison
Medicare Supplement Plan G
Comprehensive Medigap coverage for Medicare Part A & B out-of-pocket costs
Marketplace & International Expert
Elsa Galicia-Lona - Health Insurance Marketplace and International Health specialist
Medicare Extra Help
Low-income subsidy programs for prescription drug costs and premiums
Not Sure Which Option Is Best for You?
Our licensed insurance experts can help you compare all options and find the perfect coverage for your specific needs and budget.
Need Help Finding the Right Health Insurance Plan?
Our licensed insurance specialists can help you navigate the marketplace and find a plan that fits your needs and budget
Why Use Our Health Insurance Cost Calculator?
Accurate Estimates
Get precise cost calculations based on 2025 ACA rules, including all subsidies and cost-sharing reductions you qualify for.
Maximize Savings
Discover all the ways to save money on health insurance, from premium tax credits to enhanced Silver plan benefits.
Expert Guidance
Get personalized recommendations and free help from licensed insurance agents to find the perfect plan.
Real People, Real Savings
Sarah M., Age 34
Small Business Owner
"I was paying $450/month for individual coverage. Using the calculator, I discovered I qualified for a $280/month tax credit. Now I pay just $170/month for better coverage!"
Marcus & Lisa T.
Family of 4
"We thought health insurance would cost us $1,200/month. The calculator showed we qualify for premium credits AND cost-sharing reductions. Now we pay $320/month with lower deductibles."
Trusted by National Families
Real National Success Stories
Maria Rodriguez
Spring, TX
"Como madre soltera trabajando en un restaurante, nunca pensé que podría pagar un seguro de salud. El agente me explicó todo en español y ahora tengo cobertura completa por solo $25 al mes. Mi hija y yo finalmente tenemos la tranquilidad que necesitamos."
Uninsured single mother, restaurant worker
$25/month Silver plan with subsidies
Success Stories by Industry
"Como madre soltera trabajando en un restaurante, nunca pensé que podría pagar un seguro de salud. El agente me explicó t..."
"Working in the oil field, my income varies a lot. The Marketplace plan adjusted my subsidies when my income changed, and..."
"Trabajo en un hotel en Miami Beach y mi esposa es ama de casa. Con cuatro hijos, pensamos que nunca podríamos tener segu..."
"As a freelance web developer in Atlanta, I needed coverage that wouldn't break my budget. The Bronze plan gives me the p..."
"Trabajo como dealer en un casino y mi horario es de noche. Encontrar seguro médico que funcionara con mis propinas y hor..."
"My husband and I run a small farm outside Oklahoma City. We couldn't afford health insurance until we learned about the ..."
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Ready to Find Your Perfect Health Insurance Plan?
Use this cost calculator as a starting point, then let our experienced team help you enroll in a marketplace plan that maximizes your subsidies and fits your healthcare needs.