Cost guides
The premium is only half the story.
Realistic ranges, subsidy context and free calculators — for people working out what they will actually pay, in a healthy year and a bad one.
Pick a question
What does it really cost?
Each guide explains the sticker price, what changes it, and the trade-offs behind a lower monthly number.
- Health insuranceWhat health insurance really costs per month — before and after subsidies — and the factors that move your premium.
- Health sharingNot insuranceWhat health care sharing memberships cost per month, how that compares to insurance, and the trade-offs behind the lower price.
- Family of fourWhat a family of four can expect to pay for health insurance, and how subsidies change the picture.
- MedicareThe real monthly cost of Medicare across Part B, Part D, and either Medigap or Medicare Advantage.
- Self-employedWhat freelancers and 1099 workers pay for coverage, plus the deduction and subsidy levers that lower it.
- PrescriptionsWhat you pay for prescription drugs by formulary tier, and practical ways to lower the cost.
Before the rush
Numbers for your household.
A licensed advisor can price real plans for your household and state. Turning 65? Medicare has its own site.
- Free
- No obligation
- About 2 minutes