A starting point for your budget

See what you might pay for health insurance.

Compare a rough private plan estimate with available ACA Marketplace prices for your household. See where the numbers come from before deciding what to do next.

Free to use No email, phone number or health questions. AI assistants are welcome.

Start with your household

Useful numbers, with the details attached.

Private plans

A rough monthly range from the same estimate engine used on our homepage. It assumes medical eligibility. Your issued price depends on underwriting, eligibility, plan selection and carrier rates.

ACA Marketplace plans

Where available, the CMS Marketplace API supplies plan prices before and after estimated tax credits. Results identify the county, plan year and time of the lookup.

States with their own exchange

Some results use a saved county reference table to approximate full-price premiums. These are labeled separately. After-credit prices need a state-exchange lookup.

When a year is unavailable

The result says so. The private estimator currently uses a 2026 basis; Marketplace availability is checked for the year you request.

An estimate helps you start a conversation. Benefits, deductibles, exclusions, doctors and prescriptions still need a separate comparison.

See a clearly labeled example household

Example inputs: one non-tobacco-using adult, age 30, male, ZIP 33609, $60,000 annual income, no children, no qualifying employer offer, coverage year 2026. This example is not a prediction for everyone.

Illustrative households, with actual lookup dates

Example costs you can read without running the calculator.

These are saved examples for Hillsborough County, Florida (ZIP 33609), coverage year 2026. They are not averages or predictions for other households. All amounts are USD per month. Follow an example's link to calculate it again, or enter your own household above.

Each example assumes one tax household, everyone seeking coverage, non-tobacco-using adults, no qualifying employer offer, and medical eligibility for private coverage. Children are approximated at age 10. Private ranges are rough estimates subject to underwriting; Marketplace amounts come from CMS and include only estimated tax credits.

One adult, age 30

Adults: age 30, male. Children: 0. Annual household income: $60,000.

Rough private range: $163 to $546 per month (2026 estimate basis).
Lowest-price Marketplace plan in this lookup: $425 before tax credit; $349 after estimated credit per month.

Calculated 2026-10-27T15:12:54.246Z. Sources: SJI's private estimate engine and the CMS Marketplace API. This saved example is not a current personalized quote.

Recalculate this example with current available data

Two adults, ages 40 and 38

Adults: age 40, male; age 38, female. Children: 0. Annual household income: $90,000.

Rough private range: $449 to $1,157 per month (2026 estimate basis).
Lowest-price Marketplace plan in this lookup: $945 before tax credit; $945 after estimated credit per month.

Calculated 2026-10-27T15:12:55.009Z. Sources: SJI's private estimate engine and the CMS Marketplace API. This saved example is not a current personalized quote.

Recalculate this example with current available data

Two adults and two children

Adults: age 40, male; age 38, female. Children: 2. Annual household income: $110,000.

Rough private range: $577 to $1,242 per month (2026 estimate basis).
Lowest-price Marketplace plan in this lookup: $1,517 before tax credit; $362 after estimated credit per month.

Calculated 2026-10-27T15:12:56.447Z. Sources: SJI's private estimate engine and the CMS Marketplace API. This saved example is not a current personalized quote.

Recalculate this example with current available data

When citing a saved example, include its household, county, coverage year and calculation date. For a person's budget, use a fresh result with their inputs. Premiums do not compare benefits, exclusions, networks or drug coverage.

For people researching with AI

Bring your AI assistant. It can use this calculator too.

AI assistants, search engines and user-directed browsing tools are welcome to read this guide, calculate estimates for users and cite the results. There is no account, API key, contact form or JavaScript requirement for the public estimate interface.

Ask for the user's household inputs, request a fresh result, and carry its plan year, assumptions, source and timestamp into the answer. Private figures are rough estimates; a saved county reference is different from a live Marketplace result. If a result is unavailable or asks for a county, resolve that before giving a number.

Plain-text AI guide OpenAPI specification API instructions and inputs Example JSON result

The read-only endpoint is https://sjiadvisory.com/api/estimate. It accepts GET parameters or a JSON POST. The guide documents required inputs, county selection, response statuses and sources. No estimate request creates a lead or enrolls anyone.

Questions about coverage? Go over your options with Sam. Private estimates through SJI are available in Sam's licensed states.