Most aca plan projects cost between $0 and $1,200 per month, with a typical price near $300. Prices vary by state and city, so the range below is a planning guide rather than a quote.
Typical aca plan cost
$0 – $1,200
per month · typical $300
A general planning range, not a quotation.
Aca plan cost breakdown
- Bronze plan (after subsidies)$0 – $300typical $100
- Silver plan (after subsidies)$0 – $500typical $200
- Gold plan (no subsidies)$400 – $1,200typical $700
What ACA Marketplace costs
Marketplace plan costs depend on income, age, location, and plan tier. With premium tax credits, many enrollees pay $0-$500 per month. Without subsidies, a silver plan might cost $400-$1,200 per month. Out-of-pocket costs also vary.
Costs by state
- Alabama
- Alaska
- Alberta
- Arizona
- Arkansas
- British Columbia
- California
- Colorado
- Connecticut
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Manitoba
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Brunswick
- New Hampshire
- New Jersey
- New Mexico
- New York
- Newfoundland and Labrador
- North Carolina
- North Dakota
- Northwest Territories
- Nova Scotia
- Nunavut
- Ohio
- Oklahoma
- Ontario
- Oregon
- Pennsylvania
- Prince Edward Island
- Quebec
- Rhode Island
- Saskatchewan
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
- Yukon
Frequently asked questions
What is the average cost of an ACA plan?
After subsidies, most enrollees pay less than $300 per month. Without subsidies, a silver plan averages $500-$800 per month, but varies by state and age.
What drives ACA plan costs?
Your income (determines subsidies), age, location, plan tier, and tobacco use. More comprehensive plans (gold/platinum) have higher premiums but lower deductibles.
How can I lower my ACA premium?
Report income changes to maximize subsidies. Choose a bronze or silver plan with a Health Savings Account (HSA). Compare plans during open enrollment and consider cost-sharing reductions if eligible.