Health Insurance Quote Estimator
Estimate monthly premiums by metal tier, adjusted for ages, tobacco, and region. Optionally include a simplified subsidy estimate.
Household
Adults
Children (up to 3 billed)
Plan & Pricing
Premium
Gross monthly
$1,215
Estimated subsidy
$740
Net monthly
$475
Plan design (heuristic)
Deductible (typical)
$5,000
OOP max (typical)
$8,500
Benchmark Silver
$1,215
Summary
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Compare metals (net vs gross)
| Metal | Gross / mo | Net / mo |
|---|---|---|
| Bronze | $1,032 | $293 |
| Silver | $1,215 | $475 |
| Gold | $1,433 | $694 |
| Platinum | $1,640 | $900 |
source: calestimator.com/health-insurance-calculator
Educational estimate only — not a quote or offer.
Premium comparison by metal tier
Visualize the gross versus net premium for each ACA metal level.
How to use the Health Insurance Calculator
Estimate annual medical spending by combining premiums, deductibles, co-pays, and tax credits across marketplace plans.
- Enter household income and size to calculate subsidy eligibility.
- Input premiums, deductibles, and out-of-pocket maximums for the plans you are comparing.
- Add expected doctor visits, prescriptions, or procedures so the tool can estimate total spending.
- Review which plan delivers the lowest net cost after subsidies and employer contributions.
Health Insurance Calculator key terms
Knowing how each field influences the results keeps the math grounded in reality.
Actuarial value
Represents the percentage of total costs a plan covers on average. Bronze plans cover less than gold plans.
Out-of-pocket maximum
The most you will pay in a year for covered services before the insurer pays 100%.
Cost-sharing reduction
Extra subsidies that lower deductibles and co-pays for qualifying silver plans.
Health Insurance Calculator planning ideas
Try running a few “what if” scenarios to translate the numbers into real-world decisions.
High vs. low usage years
Model a routine year against a year with surgery or maternity care to stress test plan choices.
HSA eligibility
Compare high-deductible health plans with HSA contributions against richer PPO coverage.
Employer plan vs. marketplace
If you have access to both, input premiums for each option to see which offers better value after tax benefits.
Frequently asked questions
How accurate are healthcare cost estimates?
Actual bills vary by provider network and negotiated rates. Use the calculator for planning ranges, then confirm coverage details with insurers.
Can I update my plan mid-year?
You typically need a qualifying life event. Rerunning the numbers helps you document why a switch could be beneficial when you have eligibility.