Health Insurance Price Estimator
Want a ballpark before you talk to anyone? Answer a few questions and see an estimated price range for a private plan. It takes about a minute.
It is an estimate, not a quote. Private plans are priced on your health and approval depends on your health answers, so your real price can be higher or lower. Benefits vary by plan. Frank goes over actual options, and the Marketplace side by side, before you apply.
See your real rate in 30 seconds.
Real per state price range.
Marketplace comparison uses 2026 KFF average benchmark Gold-plan premiums + the federal age curve. Your actual ACA quote varies by income, household, and plan tier. Private final premium depends on carrier and underwriting.
What people usually want to know about cost
How much does health insurance cost when you buy it yourself?
It depends mostly on your age, where you live, who's on the plan and, for Marketplace plans, your income. Marketplace prices are set by age and ZIP code, and a tax credit can lower them if your household income qualifies. Private plans are priced on your age, location and health answers, so two people the same age can see different prices. The estimator above gives you a starting range; a real quote narrows it down.
What if I earn too much for a Marketplace subsidy?
Then you pay the full Marketplace price, which is where a lot of self-employed people and early retirees feel the pinch. For 2027 the extra help that used to reach higher incomes is gone, so it's worth comparing a private plan side by side. If you're healthy, a private plan can sometimes cost less for similar coverage; approval depends on your health answers and benefits vary by plan.
Is COBRA worth it, or is there something cheaper?
COBRA keeps your exact plan, but you pay the full cost your employer used to share, which surprises most people. It can make sense if you've already met your deductible or you're mid-treatment. Otherwise, losing job-based coverage opens a 60-day Marketplace window, and a private plan is another option you can apply for any time.
Does using a broker change the price?
No. Marketplace premiums are the same with or without an agent, and private plans are priced by the insurance company. The insurance company pays me, so the comparison costs you nothing.
What this estimate can and can't tell you
It can
- Give you a realistic starting range for your age, state and household
- Show roughly where a Marketplace plan lands next to a private one
- Help you decide whether a full comparison is worth 15 minutes
It can't
- Tell you whether a private plan will approve you
- Account for your exact doctors, prescriptions or ZIP code
- Replace a real quote with the plan's benefit details
Next steps
- Subsidy cliff calculatorSee if your 2027 income is over the tax credit line, and by how much.
- COBRA cost calculatorWhat COBRA will cost after you leave a job, and how it compares.
- Which health plan fits me?Six quick questions point you to Marketplace, private or a side-by-side look.
- Get a real quoteYour exact options, Marketplace and private, side by side.
- Can I enroll right now?Two questions to see if you can sign up today.
- COBRA alternativesWhat to do when job-based coverage ends.
- The 2027 subsidy cliffWho loses help next year and what to do about it.
- What private plans costThe factors that move a private-plan price.
- Private vs. MarketplaceHow to choose when you work for yourself.