ACA Marketplace costs, by state and province

Typical costs for aca marketplace per month. Monthly premium depends on income, age, and plan tier. Open a market below for a local estimate.

ACA marketplace plan costs vary by metal tier and household income. After subsidies, a silver plan costs most enrollees between $100 and $400 per month. The average deductible for a bronze plan is about $7,000, while gold plans have deductibles under $2,000. Income-based subsidies have no dollar cap for 2025.

How Premiums Vary by Metal Tier

Bronze plans have the lowest monthly premium—around $350–$500 without subsidies—but the highest deductibles (often $7,000+). Silver plans average $450–$650 unsubsidized, but cost-sharing reductions can lower deductibles to $2,000. Gold plans run $550–$800 monthly with deductibles near $1,500.

Subsidies and Out-of-Pocket Limits

Premium tax credits are available if your income is between 100% and 400% of the federal poverty level. A family of four earning $60,000 might pay $200–$350 per month for a silver plan after credits. The maximum out-of-pocket for 2025 is $9,200 for individuals and $18,400 for families.

Deductibles and Copays at Lower Incomes

If you qualify for cost-sharing reductions on a silver plan, your deductible could drop to $1,000–$2,000. Primary care copays range from $10 to $30, and specialist visits cost $20–$50. Generic drug copays are typically $5–$15.

Typical ACA Marketplace prices
ItemTypical range
Monthly Premium After Subsidy (Silver)$100 – $400
Bronze Plan Deductible$7,000 – $8,000
Gold Plan Deductible$1,000 – $2,000
Out-of-Pocket Maximum (Individual)$9,200

Every market for aca marketplace costs

383 markets have a page, each with a typical range where we have one and plain guidance on what moves the price.

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