The bottom-cost market medical health insurance plan on the Obamacare medical health insurance market prices a mean of $479 per thirty days in 2025, based on the Facilities for Medicare & Medicaid Companies (CMS)^[0]

Premiums can fluctuate considerably based mostly on firm, plan kind and steel stage (Bronze, Silver, Gold or Platinum), plus your age, tobacco use, household measurement, location, earnings and extra.

Market medical health insurance plans, typically known as Obamacare plans or ACA plans, will be bought by people and households on HealthCare.gov and state medical health insurance marketplaces.

Relying on a wide range of elements, premiums can vary from $0 to over $1,000 per thirty days.

For instance, listed here are common 2025 premiums for the lowest-cost Silver plans obtainable to 3 totally different mixtures of age, household measurement and earnings as a p.c of the federal poverty line (FPL), earlier than any price reductions, based on CMS^[0]

• 21-year-old particular person incomes 150% of the FPL*: $383 per thirty days.

• 40-year-old particular person incomes 150% of the FPL: $491 per thirty days.

• Household of 4 incomes 325% of the FPL**: $1,207 per thirty days.

* In 2025, 150% of the FPL for a person within the contiguous U.S. is $23,475 per yr^[0]

Premium tax credit can considerably scale back what you pay for premiums, even when your earnings is effectively above the federal poverty line. For instance, right here’s what the three premiums above develop into after premium tax credit are utilized^[0]

• 21-year-old particular person incomes 150% of the FPL: $0 per thirty days.

• 40-year-old particular person incomes 150% of the FPL: $0 per thirty days.

• Household of 4 incomes 325% of the FPL: $165 per thirty days.

Usually, folks with family earnings between 100% and 400% of the FPL will be eligible for premium tax credit. For a person within the contiguous U.S., that’s between $15,650 and $62,600 per yr in 2025^[0]

The biggest subsidies go to folks with the bottom earnings, then they go down on a sliding scale for many who qualify with larger earnings ranges^[0]

• Deductible: Earlier than your plan begins to pay for its portion of most coated companies and prescribed drugs, you may must spend a specific amount out of pocket, similar to $2,400 for a person or $4,800 for a household.

• Copay: You may owe a flat quantity every time you get a service, similar to $50 for visiting a health care provider’s workplace or $10 for filling a prescription.

• Coinsurance: You may owe a p.c of the price of a service, similar to 25% of the price of a prescription drug or 40% of an emergency room invoice.

Plans even have an out-of-pocket most, which places a cap on what you must spend for the yr in copays, coinsurance and/or deductibles. After you attain the out-of-pocket most, you don’t owe further out-of-pocket prices for the remainder of the yr, so a decrease most is healthier.

Usually talking, plans with larger premiums are inclined to have decrease out-of-pocket prices. Plans with decrease premiums typically have larger out-of-pocket prices.

In the event you qualify for the premium tax credit score and have family earnings as much as 250% of the FPL, you may qualify for cost-sharing reductions^[0]

The scale of the cost-sharing reductions relies on your earnings^[0]

Market medical health insurance plans can are available in 4 steel ranges: Bronze, Silver, Gold and Platinum, every with totally different ranges of protection. For instance, a Silver plan covers about 70% of members’ medical prices, so that you’d be answerable for the opposite 30% out of pocket^[0]

Market medical health insurance plans by tier

Silver plans are sometimes essentially the most reasonably priced as a result of they’re doubtlessly eligible for extra subsidies than another plan kind. Silver plans can find yourself masking extra and costing lower than different plans sorts in the event you qualify for cost-sharing reductions — and most market enrollees do.