How Much Does Health Insurance Cost in 2027?

For 2027, the average benchmark silver plan for a 40-year-old costs about $704 a month nationally before any subsidy, according to KFF. The benchmark is the second-lowest-cost silver plan in an area, and it's the plan the government uses to calculate premium tax credits.

What drives your price

Age. Insurers can charge older adults up to three times what they charge younger adults.
Where you live. Prices are set by rating area, and they vary widely between states and even between counties.
Tobacco use. Many states allow a surcharge.
Metal level. Bronze plans have lower premiums and higher deductibles; gold and platinum the reverse.
Household size. Each person on the plan adds to the premium.

Want this done for you?

Licensed agents compare plans from several carriers, check your doctors and estimate your subsidy. Free to you.

Call 866-645-8540

What you actually pay

Most people who buy marketplace coverage qualify for a premium tax credit that lowers the monthly bill. How much depends on household income compared with the federal poverty level and on the cost of the benchmark plan where you live. The enhanced subsidies that applied from 2021 through 2025 have ended, so households with income above four times the poverty level generally no longer qualify. Even a small income change near that line can make a big difference.

Look at the whole year, not just the premium

A plan with a low premium and a high deductible can cost more over a year if you use care regularly. Add the yearly premium to the deductible and compare plans on total cost.

Getting an exact number

Prices on this site are averages. A licensed agent can quote the exact premium for your ZIP code, ages and income.