How Much Does Obamacare Insurance Cost?

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How much does marketplace health insurance cost per month?
- 21-year-old individual earning 150% of the FPL*: $383 per month.
- 40-year-old individual earning 150% of the FPL: $491 per month.
- Family of four earning 325% of the FPL**: $1,207 per month.
- 21-year-old individual earning 150% of the FPL: $0 per month.
- 40-year-old individual earning 150% of the FPL: $0 per month.
- Family of four earning 325% of the FPL: $165 per month.
What are the out-of-pocket costs for Obamacare plans?
- Deductible: Before your plan starts to pay for its portion of most covered services and prescription drugs, you might need to spend a certain amount out of pocket, such as $2,400 for an individual or $4,800 for a family.
- Copay: You might owe a flat amount each time you get a service, such as $50 for visiting a doctor’s office or $10 for filling a prescription.
- Coinsurance: You might owe a percent of the cost of a service, such as 25% of the cost of a prescription drug or 40% of an emergency room bill.
Cost-sharing reductions
Household income | Cost-sharing reductions |
---|---|
100% up to 150% of the FPL | Largest |
Greater than 150% up to 200% of the FPL | Medium |
Greater than 200% up to 250% of the FPL | Smallest |
Why are Silver plans the most affordable?
Metal tier | Costs covered by plan | Deductible level |
---|---|---|
Bronze | 60%. | High. |
Silver | 70%. | Medium. |
Gold | 80%. | Low. |
Platinum | 90%. | Low. |
Article sources
- 1. Centers for Medicare & Medicaid Services. Plan Year 2025 Qualified Health Plan Choice and Premiums in HealthCare.gov Marketplaces. Accessed Jun 12, 2025.
- 2. Department of Health & Human Services. Poverty Guidelines. Accessed Jun 12, 2025.
- 3. Internal Revenue Service. Questions and Answers on the Premium Tax Credit. Accessed Jun 12, 2025.
- 4. Department of Health & Human Services. Cost-Sharing Reductions. Accessed Jun 12, 2025.
- 5. Code of Federal Regulations. Title 45, Part 155, Section 305. Accessed Jun 12, 2025.
- 6. Department of Health & Human Services. Health Plan Categories: Bronze, SIlver, Gold & Platinum. Accessed Jun 12, 2025.