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Costs and Financial Help

Health insurance costs are different for everyone and depend on a lot of different factors. Many people qualify for financial help that lowers what they pay.

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What Affects Your Costs

The fastest way to see what you might pay is to use the Shop and Compare Tool, which gives you a personalized estimate based on your situation.

See What You Might Pay

The Shop and Compare Tool shows your program eligibility, financial help and personalized cost estimate — all in one place.

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Understanding Your Costs

There are two main types of health care costs: your monthly premium for having a health plan, and your out-of-pocket costs when you use care. Out-of-pocket costs can include deductibles, copays and coinsurance.

Type of Cost
Type of Cost
What It Means
Premium
The amount you pay each month to have a health plan.
Deductible
The amount you pay for covered services before your plan starts paying.
Copay
A fixed amount you pay for a covered service, like a doctor visit or prescription.
Coinsurance
Your share of the cost for a covered service, usually a percentage, after you meet your deductible.
Out-of-pocket costs
What you pay yourself for care. This includes deductibles, copays and coinsurance.
Out-of-pocket maximum
The most you'll pay in a year for covered services. After that, your plan pays 100% of covered costs.

Where do you want to start?

Here are some other topics to think about while shopping for health, dental and vision insurance.

  • What is financial help?

    Find out if you qualify for savings on your monthly premium or care costs — and how much you might get.

  • Compare Coverage Levels

    See how Bronze, Silver, Gold and Platinum plans differ in monthly cost and what you pay when you get care.

  • Shop and Compare Plans

    Get a personalized estimate based on your income, household size and location.

  • Find Free Local Help

    A certified enroller can answer your cost questions and help you apply, at no charge.