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 details
Your estimate
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
This 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.
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
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