Free calculator
Monthly Health Insurance Premium Estimator
Premiums rise with age and with the metal tier (Bronze to Platinum). This tool gives a rough unsubsidized benchmark you can then reduce with the ACA Subsidy Calculator. Real premiums vary widely by state, insurer, and plan.
Your estimate
$450
Estimated premium per person
A 40-year-old on a silver plan might see an unsubsidized premium around $450/mo per person ($450/mo for 1).
- Estimated premium per person
- $450
- Estimated total for 1
- $450
- Estimated annual (total)
- $5,400
- Next stepUse the ACA Subsidy Calculator to reduce this if you qualify.
- Apply subsidies
An estimate, not a quote. A licensed advisor can price real plans for your household.
Get matchedThis is an educational estimate, not a quote or medical or financial advice. Actual costs depend on your specific plan, state, age, and health. Figures use published federal tables and typical market ranges as of 2026-01-15.
Next step
Ready to price real plans?
A licensed advisor can turn these estimates into actual options where you live. Free, no obligation.
- Free to use
- No obligation
- A licensed advisor confirms real prices
Questions
Frequently asked questions
Why do premiums go up with age?
ACA rules let insurers charge older adults up to three times more than younger adults, so premiums rise steadily with age even for the same plan.
Which metal tier is cheapest?
Bronze has the lowest premium but the highest deductible; Platinum is the reverse. Silver is the benchmark tier subsidies are based on.
Sources
- HealthCare.gov — the official ACA Health Insurance Marketplace · reviewed 2026-01-15
- KFF (Kaiser Family Foundation) — health policy research · reviewed 2026-01-15
- OLYRON HealthMatch editorial methodology — how we source and rate options · reviewed 2026-01-15