How much is health insurance a month?
With a tax credit, your price depends mostly on your income. Worked examples for 2027.
Last checked October 14, 2026 · Written by licensed advisors · Sources are numbered and listed under Notes and sources
How much is health insurance a month?
If you qualify for a tax credit, you are expected to pay at most a set share of your income toward the benchmark silver plan, from 2.15% to 10.22% for 2027. The credit pays the rest. A cheaper plan, such as bronze, costs you less than that; a pricier one costs more.
Without a credit, you pay the full price, which depends mostly on your age, where you live and the plan you pick.1
Examples for 2027
The most each household would be expected to pay per month toward the benchmark silver plan, after the tax credit. If the benchmark costs less than this where you live, you pay its lower full price. Examples, not quotes: your price depends on your county and the plan you choose, and is set when you enroll.12
| Household and yearly income | Share of income | About per month |
|---|---|---|
| 1 person, $25,000 | 4.6% | $96 |
| 1 person, $40,000 | 8.7% | $289 |
| 1 person, $55,000 | 10.2% | $468 |
| Family of 4, $50,000 | 4.4% | $182 |
| Family of 4, $80,000 | 8.4% | $558 |
| Family of 4, $110,000 | 10.2% | $937 |
What decides your price
With a credit: your household income and size, which plan you pick compared with the benchmark, and tobacco use (a tobacco surcharge can add up to 50%, and the credit doesn’t cover it).
Without a credit, or above the 2027 limit: your age, your county, tobacco use, and the plan. Insurers can’t charge more for health conditions on Marketplace plans.
On a very low income, Medicaid may cost little or nothing instead.34
- Household income and size
- The plan you pick vs the benchmark
- Tobacco use (the credit doesn’t cover the surcharge)
- Your age
- Your county
- Tobacco use
- The plan
- Never your health conditions
The monthly price is only half of it
A low premium can come with a deductible in the thousands. Compare what you would pay in a bad year, not just each month.5
What to do: Run your own numbers in the plan finder, then ask us for the exact prices in your county.
Related guides
Obamacare Hotline and/or Medicare Po Polsku are private companies not affiliated with any local, state, or federal government agency. This guide is general information, not tax or legal advice.