Health Insurance Calculator

Estimate your health insurance premiums and potential subsidies based on your profile and plan preferences

Personal Information

Basic details that affect your insurance costs

Age

Family Size

Annual Household Income ($)

Used to determine subsidy eligibility

State

Do you smoke?

Plan Preferences

Choose your preferred coverage level and costs

Plan Type (Metal Tier)

Preferred Deductible ($)

Overall Health Status

Regular Prescriptions

Health Insurance Tips

Open Enrollment: You can only enroll during specific periods unless you have a qualifying life event
Network matters: Check if your doctors and hospitals are in the plan's network
Prescription coverage: Verify your medications are covered by the plan's formulary
HSA eligibility: High-deductible plans may qualify you for a Health Savings Account
Preventive care: Most plans cover preventive services at 100% with no deductible

Understanding Metal Tiers

Lowest premiums, highest out-of-pocket costs. Good for healthy individuals.

Moderate premiums and costs. Eligible for cost-sharing reductions if you qualify.

Higher premiums, lower out-of-pocket costs. Good for frequent healthcare users.

Highest premiums, lowest out-of-pocket costs. Best for those with chronic conditions.