ACA Health Insurance Premium Estimator
Marketplace prices depend on county and age: a 64-year-old pays three times what a 21-year-old pays for the same plan. This estimator scales each county’s 2026 benchmark Silver and lowest Bronze premiums to your household’s ages, then applies the tax credit.
Figures checked October 15, 2026 · free, no sign-up
Calculator
Fill in the form to see your estimate. It updates as you type.
Estimate only, using the published figures listed under Sources. It is not a quote, an eligibility decision or advice. Your inputs stay in your browser: nothing is sent or saved, and you never need to share contact details to see a result.
Frequently asked
Sources & methodology
- HealthCare.gov Marketplace API — 2026 plan year plans and subsidy estimates
- CMS — State Specific Age Curve Variations (federal default age curve)
- 45 CFR 147.102 — Fair health insurance premiums (GovInfo)
- IRS — Rev. Proc. 2025-25 (2026 applicable percentage table, required contribution 9.96%)
The calculation runs entirely in your browser with the year-labelled figures from the sources above, and updates as you type. We don’t send, store or log anything you enter. We check these figures against the sources whenever CMS, the IRS or HHS publishes a new year.
Compiled by the McDowell Business Resources Data Desk. Last reviewed: October 15, 2026.
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McDowell Business Resources is not affiliated with or endorsed by the U.S. government, the federal Medicare program, or CMS.
This page is general education, not insurance, tax, legal or investment advice. Figures are dated where shown and can change; your situation may differ, and product availability varies by state and carrier. McDowell Business Resources (MBR Insurance & Financial Services) is an independent agency, not an insurance carrier.