Expected annual income
Marketplace savings use expected household income for the coverage year, not simply last year's income.
2027 Marketplace costs
Your premium is only one number. Understand what can change what you pay.
Marketplace savings depend on current federal rules, expected household income, household size and local benchmark premiums. CoveragePath separates an educational estimate from the official Marketplace determination.
Before you compare
Look at net premium and total cost—not the sticker price alone.
Premium tax credits can reduce the monthly premium for eligible households. A plan with a low premium can still have a high deductible, different cost sharing, a narrower network or different prescription coverage.
Interactive consumer tool
Annual plan cost planner: estimate a scenario
Enter figures from a plan you are considering. This tool calculates the annual premium plus the care costs you expect to use.
Five things that can change the number
Household size
Who is included in the tax household can affect the Marketplace calculation.
Where you live
Local benchmark premiums and available plans vary by rating area.
Age
Age can affect gross premiums in states using the federal age-rating framework.
Other coverage
Eligibility for other qualifying coverage, including certain job-based offers, can affect Marketplace savings.
Turn the estimate into a decision
Use the calculator to understand the moving pieces, then compare the official plans available to your household. CoveragePath does not manufacture a universal “you save $X” claim.