Average Price For ObamaCare Per Month

The average price for obamacare per month depends on a variety of factors such as age, location, plan type, and income. Additionally, a number of other variables can affect total health care costs including deductibles, copayments, and coinsurance. Fortunately, ObamaCare does away with pre-existing conditions and gender discrimination and has introduced other benefits like network coverage, which can significantly lower overall costs for many people.

How much is health insurance in America per month?

When someone refers to the “Obamacare” health insurance costs, they are typically referring to individual and family plans bought on the Health Insurance Marketplace created by the Affordable Care Act (ACA). The average marketplace plan cost was under $100 after cost assistance in 2014 and has been that way every year since due to how cost assistance caps spending based on income.

ACA plans are organized into four metal tiers, with bronze plans having the lowest monthly premiums and silver plans having the highest. The gold and platinum tiers have the highest monthly premiums but also have the lowest out-of-pocket costs when you access care. The chart below shows the average monthly premiums for a single person on an ACA Marketplace plan by metal tier before subsidies.

Keep in mind, the chart below is for 2023 Marketplace plans and doesn’t necessarily reflect your specific plan or state. However, you can check how much your ACA Marketplace plan will cost in your specific area by entering your zip code on the HealthSherpa comparison tool. Then, you can see if you qualify for a subsidy and how much it will reduce your monthly premium.

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