Healthcare cost guides

Realistic ranges, subsidy context, and calculators — for people actively researching what they'll pay.

• Health insurance

  What health insurance really costs per month — before and after subsidies — and the factors that move your premium.

• Health sharing

  What health care sharing memberships cost per month, how that compares to insurance, and the trade-offs behind the lower price.

• Family of four

  What a family of four can expect to pay for health insurance, and how subsidies change the picture.

• Medicare

  The real monthly cost of Medicare across Part B, Part D, and either Medigap or Medicare Advantage.

• Self-employed

  What freelancers and 1099 workers pay for coverage, plus the deduction and subsidy levers that lower it.

• Prescriptions

  What you pay for prescription drugs by formulary tier, and practical ways to lower the cost.