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Health Insurance Premium Estimator

Estimate a monthly health insurance premium from age, plan tier and household size.

Formula v1.0.0United StatesMethodologyhealth-insurance-estimator-v1
How this is calculated
Premium = Base rate × age factor (1x–3x) × plan tier × smoker surcharge × family factor

Assumptions used in this calculation

  • Linear age-rating approximation: Uses a straight-line approximation of the ACA's 3:1 age rating ratio (age 21 = 1.0x, age 64+ = 3.0x), the real HHS default age curve is non-linear between those points.US Department of Health and Human Services

About this calculator

Estimate a monthly health insurance premium using the US ACA's published 3:1 age-rating-band rule and maximum tobacco surcharge, applied to a base premium you supply for your region.

Worked example

$400 base premium, age 35, silver plan, individual, non-smoker

Result: Estimated premium ≈ $572/month

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