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How can I get an estimate of costs and savings on Marketplace health insurance?

Until you fill out a Marketplace application, you can use tools like the Kaiser Family Foundation calculator to get a rough estimate of how much health insurance may cost in 2020.

Visit the Kaiser Family Foundation website to use the health insurance costs and savings calculator. You may want to read the information below. It explains what the calculator can and can't tell you.

The Kaiser Family Foundation health insurance cost and savings calculator

The health insurance costs and savings calculator provides only an estimate. Your final premiums and costs may differ from the estimates, perhaps significantly, depending on the coverage you select and a given insurer's pricing policies. You'll learn your final costs for specific plans only when you fill out an application in the Health Insurance Marketplace.

Here are a few important things to know:

  • The calculator provides a rough estimate of costs for insurance. It will give you an idea of what someone with circumstances like yours could pay for Marketplace insurance in 2020.
  • The calculator accounts for some of the most important factors that affect plan costs in the Marketplace: where you live, family size and ages, and tobacco use. Individual plans weigh these factors differently to set final prices.
  • The prices are based on a plan in the Silver category. Plans in different categories will likely have higher or lower premiums.
  • You won't be able to get your exact costs for a specific plan until you fill out a Marketplace application and provide details about your income and household. Then you'll see all of the plans available to you, compare features and prices side-by-side, choose a plan, and enroll.

Background on the Kaiser Family Foundation calculator

The calculator was created by the Kaiser Family Foundation, a non-profit research organization, for use by the general public. The Kaiser Family Foundation is solely responsible for the tool. The Kaiser Family Foundation has no connection with Kaiser Permanente or any health care provider.

The Centers for Medicare & Medicaid Services didn't participate in the creation of this calculator. The Centers for Medicare & Medicaid Services doesn't warrant or guarantee the accuracy of estimates provided by the calculator.