What health insurance actually costs, state by state — and help choosing a plan.
Licensed Independent Agent · NPN #22052447 · 21 States
Start with your ZIP. Most people qualify for help paying for it — I will tell you what that means for you.
The premium tax credit phases out, and above a certain household income it stops entirely. If that is you, the unsubsidized marketplace price is not your only option — there are other categories of individual coverage, and they work differently. Some are medically underwritten, which means your health history determines whether you qualify and what you pay. For people who qualify, the premium can be substantially lower than an unsubsidized marketplace plan.
The trade-offs are real and worth understanding before you buy: underwritten plans are not required to cover the same essential health benefits, can exclude conditions you already have, and may not renew the same way. Whether one is a better deal than a marketplace plan depends entirely on your health, your income and what you actually need covered.
That is not something a web page can answer honestly. Put your ZIP in above and I will walk you through both sides of it.
A plan costs the same through me as it does on healthcare.gov. The carrier pays my commission out of that premium, so help is free to you.
No carrier employs me, so none of them can tell me what to put in front of you. Licensed in 21 states, NPN #22052447.
Not a call center, and your details are never sold. If I cannot help you, I will say so.
Built from the CMS Plan Year 2026 filings, plus state rate approvals for the six states that run their own marketplaces. A 40-year-old pays $558 a month in Indiana and $875 in Nebraska for the same Silver plan, before any help.
State rankings · By occupation · Compare two states · All the numbers
Premiums are full-price filed rates before premium tax credits and are not a quote. What you pay depends on your income, household size and county.