ACA Subsidies Available

Health Insurance Calculator

Calculate health insurance costs and subsidy eligibility. Free 2026 calculator with ACA marketplace estimates.

Avg Individual Premium: $477/month

$477

Avg Monthly Premium

Uninsured Rate

14M

Marketplace Enrollees

54%

Employer Coverage

Free Health Insurance Tools

Calculate monthly premium costs

Compare plan types and coverage

60%

Coverage

$350/mo avg

70%

Coverage

$450/mo avg

80%

Coverage

$550/mo avg

90%

Coverage

$700/mo avg

Open enrollment: Nov 1 - Jan 15

ACA subsidies available up to 400% FPL

Employer plans have lower premiums

Bronze = lowest premium, highest deductible

Silver = best for subsidy and CSR

HDHP qualifies for HSA (tax-free savings)

Check if you qualify for ACA subsidies.