Public Health Insurance Premium Calculator

ANA›Life Services Authority›National Calculator Authority›Public Health Insurance Premium Calculator

.calc-container { max-width: 640px; margin: 2rem 0; padding: 1.5rem; background: #fff; border: 1px solid #ddd; border-radius: 8px; box-shadow: 0 1px 3px rgba(0,0,0,0.06); font-family: system-ui, -apple-system, sans-serif; } .calc-container h3 { font-family: Georgia, serif; font-size: 1.15rem; color: #1a1a1a; margin-bottom: 1rem; padding-bottom: 0.5rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-row { display: flex; align-items: center; gap: 0.75rem; margin-bottom: 0.75rem; flex-wrap: wrap; } .calc-row label { min-width: 160px; font-size: 0.9rem; color: #333; font-weight: 500; } .calc-row input[type="number"], .calc-row select { flex: 1; min-width: 120px; max-width: 200px; padding: 0.5rem 0.6rem; border: 1px solid #ccc; border-radius: 4px; font-size: 0.9rem; font-family: system-ui, sans-serif; color: #1a1a1a; background: #fafaf8; } .calc-row input:focus, .calc-row select:focus { outline: none; border-color: var(--ac, #3d5a80); box-shadow: 0 0 0 2px rgba(26,74,138,0.12); } .calc-row .unit { font-size: 0.82rem; color: #888; min-width: 30px; } .calc-btn { display: inline-block; margin-top: 0.5rem; padding: 0.55rem 1.5rem; background: var(--ac, #3d5a80); color: #fff; border: none; border-radius: 4px; font-size: 0.9rem; font-weight: 600; cursor: pointer; font-family: system-ui, sans-serif; } .calc-btn:hover { opacity: 0.9; } .calc-result { margin-top: 1.25rem; padding: 1rem 1.25rem; background: #f0f6fc; border-left: 3px solid var(--ac, #3d5a80); border-radius: 0 6px 6px 0; display: none; } .calc-result.visible { display: block; } .calc-result-label { font-size: 0.78rem; text-transform: uppercase; letter-spacing: 0.06em; color: #666; margin-bottom: 0.25rem; } .calc-result-value { font-size: 1.6rem; font-weight: 700; color: var(--ac, #3d5a80); } .calc-result-detail { font-size: 0.85rem; color: #555; margin-top: 0.5rem; line-height: 1.5; } .calc-note { margin-top: 1rem; font-size: 0.8rem; color: #888; font-style: italic; } .calc-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 0.75rem; margin-top: 0.75rem; } .calc-grid-item { padding: 0.6rem 0.8rem; background: #f8f9fa; border-radius: 4px; border: 1px solid #eee; } .calc-grid-item .label { font-size: 0.75rem; color: #888; text-transform: uppercase; letter-spacing: 0.04em; } .calc-grid-item .value { font-size: 1.1rem; font-weight: 600; color: #1a1a1a; } @media (max-width: 720px) { .calc-row { flex-direction: column; align-items: flex-start; gap: 0.3rem; } .calc-row label { min-width: auto; } .calc-row input[type="number"], .calc-row select { max-width: 100%; width: 100%; } .calc-grid { grid-template-columns: 1fr; } } .calc-chart { margin: 1rem 0; text-align: center; } .calc-chart svg { max-width: 100%; height: auto; } .calc-chart-legend { display: flex; flex-wrap: wrap; justify-content: center; gap: 0.6rem 1.2rem; margin-top: 0.6rem; font-size: 0.8rem; color: #555; } .calc-chart-legend span { display: inline-flex; align-items: center; gap: 0.3rem; } .calc-chart-legend i { display: inline-block; width: 10px; height: 10px; border-radius: 2px; font-style: normal; } .calc-related { max-width: 640px; margin: 2rem 0 1rem; padding: 1.25rem 1.5rem; background: #f8f9fa; border: 1px solid #e8e8e8; border-radius: 8px; } .calc-related h3 { font-family: Georgia, serif; font-size: 1rem; color: #1a1a1a; margin: 0 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 2px solid var(--ac, #3d5a80); } .calc-related-list { list-style: none; padding: 0; margin: 0 0 0.75rem; display: grid; grid-template-columns: 1fr 1fr; gap: 0.4rem 1.5rem; } .calc-related-list li a { font-size: 0.88rem; color: var(--ac, #3d5a80); text-decoration: none; } .calc-related-list li a:hover { text-decoration: underline; } .calc-browse-all { margin: 0.5rem 0 0; font-size: 0.9rem; font-weight: 600; } .calc-browse-all a { color: var(--ac, #3d5a80); text-decoration: none; } .calc-browse-all a:hover { text-decoration: underline; } @media (max-width: 720px) { .calc-related-list { grid-template-columns: 1fr; } }

Public Health Insurance Premium Calculator

Estimate your monthly Marketplace health insurance premium after ACA income-based subsidies (Premium Tax Credits).

Annual Household Income ($)

Household Size (# of people)

Primary Applicant Age

Plan Tier

Bronze (60% actuarial value) Silver (70% actuarial value) Gold (80% actuarial value) Platinum (90% actuarial value)

Tobacco User?

No Yes (+50% surcharge allowed)

Calculate Premium

function pubCalc() { var resultDiv = document.getElementById('pub-result');

// --- Inputs --- var income = parseFloat(document.getElementById('pub-income').value); var household = parseInt(document.getElementById('pub-household').value); var age = parseInt(document.getElementById('pub-age').value); var plan = document.getElementById('pub-plan').value; var smoker = document.getElementById('pub-smoker').value === 'yes';

// --- Validation --- if (isNaN(income) || income Please enter a valid annual household income.'; return; } if (isNaN(household) || household 20) { resultDiv.innerHTML = 'Household size must be between 1 and 20.'; return; } if (isNaN(age) || age 64) { resultDiv.innerHTML = 'Age must be between 18 and 64 for Marketplace coverage.'; return; }

// --- 2024 Federal Poverty Level (FPL) for contiguous US --- // FPL base: $15,060 for 1 person + $5,380 per additional person var fpl = 15060 + (household - 1) * 5380; var fplPercent = (income / fpl) * 100;

// --- Age-based benchmark premium (national average approximation) --- // Base monthly premium for age 21 reference: ~$450/month (Silver benchmark) // ACA age curve: age factor relative to age 21 (simplified linear approximation) // Official ACA age curve goes from 1.000 (age 21) to 3.000 (age 64) var ageFactor; if (age 400%: 8.5% (ARP extension through 2025)

var capPercent; // max % of income enrollee must pay for benchmark Silver if (fplPercent = 100% FPL and not eligible for Medicaid var medicaidEligible = false; if (fplPercent 400 && !medicaidEligible) { subsidyNote = 'Under the ARP extension (through 2025), subsidies are available above 400% FPL if premiums exceed 8.5% of income.

'; }

resultDiv.innerHTML = '### Estimated Monthly Premium ' + '' + 'Federal Poverty Level (FPL)$' + fpl.toLocaleString() + '' + 'Your Income as % of FPL' + fplPercent.toFixed(1) + '%' + 'Full Monthly Premium (' + plan.charAt(0).toUpperCase() + plan.slice(1) + ')$' + fullPremium.toFixed(2) + '' + 'Monthly Premium Tax Credit (Subsidy)- $' + appliedSubsidy.toFixed(2) + '' + 'Net Monthly Premium$' + netMonthly.toFixed(2) + '' + 'Net Annual Premium$' + netAnnual.toFixed(2) + '' + 'Annual Subsidy Value$' + subsidyAnnual.toFixed(2) + '' + '' + medicaidNote + subsidyNote + 'Estimates based on 2024 ACA parameters and national average benchmark premiums. Actual premiums vary by insurer and state.

'; }

#### Formulas Used

1. Federal Poverty Level (FPL): FPL = $15,060 + ($5,380 × (household_size − 1))  [2024 contiguous US]

2. Full Monthly Premium: Full Premium = Base ($450) × Age Factor × Tier Multiplier × Tobacco Surcharge Age Factor: ACA 3:1 age-rating curve (age 21 = 1.000, age 64 ≈ 3.000) Tier Multipliers: Bronze 0.82 | Silver 1.00 | Gold 1.15 | Platinum 1.30 Tobacco Surcharge: ×1.50 if applicable

3. Required Contribution % (ACA 2024 schedule): <150% FPL → 0% | 150–200% → 0–2% | 200–250% → 2–4% 250–300% → 4–6% | 300–400% → 6–8.5% | >400% → 8.5%

4. Monthly Premium Tax Credit (Subsidy): Subsidy = max(0, Benchmark Silver Premium − (Income × Cap%) / 12)

5. Net Monthly Premium: Net Premium = max(0, Full Premium − Subsidy)

#### Assumptions & References

More Calculators

References

The law belongs to the people. Georgia v. Public.Resource.Org, 590 U.S. (2020)

Related Authorities

Life Services Authority › Professional Services Authority › Trade Services Authority › United States Authority ›