ACA Health Insurance: Premiums & Subsidies in 2026
The national benchmark Silver plan premium is about $625/month for an individual in 2026. If your income is under 400% of the federal poverty level ($60,240 for a single person), you likely qualify for premium tax credits that cap your monthly cost at 2-9.5% of your income. The enhanced subsidies from the American Rescue Plan have expired — the subsidy cliff at 400% FPL is back. Use our calculator to estimate your premium and eligibility.
What will your health insurance cost?
18-factor ACA estimator: age, income, household size, tobacco, metal tier, network, and prescription needs. Includes subsidy eligibility check.
Estimate your costDo you qualify for ACA subsidies?
Use our calculator to check your FPL ratio and see if you qualify for premium tax credits.
Check eligibilityPeople Also Ask
How much does health insurance cost per month in 2026?
For an individual buying on the ACA marketplace, the national benchmark Silver plan premium is about $625/month before subsidies. After premium tax credits, many people pay $50-200/month. If your income is under 400% of the federal poverty level ($60,240 for a single person), you likely qualify for subsidies that cap your premium at 2-9.5% of your income.
Am I eligible for ACA subsidies in 2026?
You qualify for premium tax credits if your household income is between 100-400% of the federal poverty level and you don't have access to affordable employer coverage. In 2026, the enhanced subsidies from the American Rescue Plan have expired, so the subsidy cliff at 400% FPL has returned. Use our calculator to check your specific eligibility.
What is the difference between HMO and PPO?
HMO (Health Maintenance Organization) plans require you to choose a primary care physician and get referrals to see specialists. They have lower premiums but less flexibility. PPO (Preferred Provider Organization) plans let you see any doctor without a referral, but cost more. HMO premiums average about 15% less than comparable PPO plans.
Can I get health insurance if I'm self-employed?
Yes. You can buy a plan through the ACA marketplace during open enrollment (Nov 1 - Jan 15) or a special enrollment period if you have a qualifying life event. Self-employed individuals can deduct 100% of their health insurance premiums from their taxable income. You may also qualify for premium tax credits based on your income.