Pricing Transparency
How Much Does ACA Health Insurance Actually Cost?
Without subsidies, individual ACA premiums range from $350 to $1,650/month depending on age. With subsidies, 92% of enrollees pay significantly less - many under $100/month. Here are real numbers by age, income, and family size.
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How Much Does an Individual ACA Plan Cost?
Monthly premiums after subsidies (tax credits) for marketplace plans. Data reflects 2026 estimates based on KFF subsidy calculator methodology.
| Age | Income | Bronze | Silver | Gold |
|---|---|---|---|---|
| 30 | $30,000 | $0 to $100/mo | $50 to $150/mo | $100 to $200/mo |
| 30 | $60,000 | $250 to $450/mo | $350 to $600/mo | $450 to $750/mo |
| 30 | $91,000 to $150,000 | $350 to $675/mo | $450 to $900/mo | $600 to $1,125/mo |
| 40 | $30,000 | $0 to $120/mo | $60 to $180/mo | $120 to $250/mo |
| 40 | $60,000 | $300 to $550/mo | $400 to $700/mo | $525 to $900/mo |
| 40 | $91,000 to $150,000 | $450 to $825/mo | $550 to $1,050/mo | $700 to $1,350/mo |
| 50 | $30,000 | $0 to $150/mo | $100 to $250/mo | $180 to $350/mo |
| 50 | $60,000 | $450 to $750/mo | $575 to $950/mo | $725 to $1,200/mo |
| 50 | $91,000 to $150,000 | $600 to $1,125/mo | $750 to $1,425/mo | $950 to $1,800/mo |
| 60 | $30,000 | $50 to $200/mo | $150 to $350/mo | $250 to $500/mo |
| 60 | $60,000 | $700 to $1,100/mo | $850 to $1,400/mo | $1,100 to $1,800/mo |
| 60 | $91,000 to $150,000 | $900 to $1,650/mo | $1,100 to $2,100/mo | $1,400 to $2,700/mo |
How Much Does a Couple's ACA Plan Cost?
Combined monthly premiums for two adults, after applicable subsidies.
| Ages | Income | Bronze | Silver | Gold |
|---|---|---|---|---|
| Both 30 | $30,000 | $0 to $150/mo | $75 to $250/mo | $150 to $350/mo |
| Both 30 | $60,000 | $400 to $675/mo | $550 to $900/mo | $700 to $1,125/mo |
| Both 30 | $91,000 to $150,000 | $500 to $1,013/mo | $650 to $1,350/mo | $850 to $1,688/mo |
| Both 40 | $30,000 | $0 to $180/mo | $100 to $300/mo | $180 to $400/mo |
| Both 40 | $60,000 | $500 to $825/mo | $650 to $1,050/mo | $850 to $1,350/mo |
| Both 40 | $91,000 to $150,000 | $675 to $1,238/mo | $825 to $1,575/mo | $1,050 to $2,025/mo |
| Both 50 | $30,000 | $50 to $250/mo | $150 to $400/mo | $275 to $550/mo |
| Both 50 | $60,000 | $750 to $1,125/mo | $950 to $1,425/mo | $1,200 to $1,800/mo |
| Both 50 | $91,000 to $150,000 | $900 to $1,688/mo | $1,125 to $2,138/mo | $1,425 to $2,700/mo |
How Much Does Family Health Insurance Cost (2 Adults + 2 Children)?
Children's coverage included. Children under 21 are rated at roughly the same premium regardless of age.
| Parent Ages | Income | Bronze | Silver | Gold |
|---|---|---|---|---|
| Both 30 | $30,000 | $0 to $200/mo | $100 to $350/mo | $200 to $500/mo |
| Both 30 | $60,000 | $150 to $450/mo | $300 to $675/mo | $450 to $900/mo |
| Both 30 | $91,000 to $150,000 | $600 to $1,238/mo | $800 to $1,650/mo | $1,000 to $2,063/mo |
| Both 40 | $30,000 | $50 to $250/mo | $150 to $450/mo | $250 to $600/mo |
| Both 40 | $60,000 | $300 to $600/mo | $450 to $900/mo | $600 to $1,200/mo |
| Both 40 | $91,000 to $150,000 | $800 to $1,500/mo | $1,000 to $1,913/mo | $1,300 to $2,475/mo |
| Both 50 | $30,000 | $100 to $350/mo | $250 to $550/mo | $400 to $750/mo |
| Both 50 | $60,000 | $500 to $900/mo | $700 to $1,275/mo | $900 to $1,650/mo |
| Both 50 | $91,000 to $150,000 | $1,100 to $2,063/mo | $1,400 to $2,625/mo | $1,750 to $3,375/mo |
How Do ACA Subsidies Affect What I Pay?
Subsidies (premium tax credits) are based on household income relative to the Federal Poverty Level. According to CMS, the average subsidy in 2025 was $536/month, reducing the average premium from $605 to just $69/month.
2026 Subsidy Eligibility Thresholds
- • Single: Subsidies available up to ~$62,000/year (400% FPL)
- • Couple: Subsidies available up to ~$84,000/year
- • Family of 4: Subsidies available up to ~$127,000/year
Enhanced subsidies from the Inflation Reduction Act may extend eligibility beyond these thresholds. Actual costs vary by state, county, and specific plan.
Looking for non-ACA options? View our ACA Alternative Price Guide →
Frequently Asked Questions About ACA Pricing
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