Private coverage · See numbers before you call

What might private health insurance cost?

Enter your state and household to see a rough monthly range and three pricing tiers where available. No income, employer-coverage question, phone number or email needed.

Free to use Read Florida example prices · Compare private and Marketplace estimates

Your private estimate

A starting budget for private coverage.

The same private estimate method powers this page and our homepage calculator. State, ages, rating sex and household size affect the estimate. Income and employer coverage do not enter the private calculation.

For example, a 34-year-old man in Florida with no spouse or children has estimated tiers of $184 / $366 / $581 per month, using the 2026 estimate basis reviewed 2026-10-29.

Open that example's full result

Private estimates assume non-tobacco use and medical eligibility, subject to underwriting. We need actual plan documents to establish the insurer, network, deductible, exclusions and covered benefits.

The current estimate basis is 2026. A 2027 request says unavailable until that basis is updated.

Sam's licensed states · Review coverage with Sam

Three pricing levels, explained.

Tier 1 · Lower monthly estimate

The lower pricing level in our estimate method. Use it as a starting budget for a coverage review.

Tier 2 · Middle monthly estimate

The middle pricing level, also used as the comparison point in our homepage calculator.

Tier 3 · Higher monthly estimate

The higher pricing level in our estimate method. A higher estimate alone does not establish richer benefits.

These are estimated budget levels, not three named insurance products. They do not establish PPO access, major-medical status or specific benefits. When the method cannot supply three tiers, including in Connecticut, Minnesota and New York, the result shows a derived range.

Dated examples · Florida

Private estimate examples by age and household.

Reviewed 2026-10-29; estimate basis 2026. These are hypothetical Florida households, not averages, issued quotes or rates for every state. Each example assumes non-tobacco use and medical eligibility. Amounts are USD per month for the listed household.

Florida examples: exact ages and rating sexes, spouse where listed, and child count.
Household	Tier 1	Tier 2	Tier 3	Fresh result
Age 24, male; 0 children	$150	$303	$518	Calculate
Age 24, female; 0 children	$227	$405	$620	Calculate
Age 34, male; 0 children	$184	$366	$581	Calculate
Age 34, female; 0 children	$250	$455	$670	Calculate
Age 44, male; 0 children	$270	$430	$683	Calculate
Age 44, female; 0 children	$288	$462	$715	Calculate
Age 54, male; 0 children	$436	$641	$894	Calculate
Age 54, female; 0 children	$385	$591	$844	Calculate
Age 60, male; 0 children	$516	$730	$975	Calculate
Age 60, female; 0 children	$444	$653	$898	Calculate
Age 40, male + spouse age 38, female; 0 children	$449	$795	$1,157	Calculate
Age 40, male + spouse age 38, female; 2 children	$577	$930	$1,242	Calculate

Source: SJI's private estimate engine, shared with the homepage. Calculate with your own inputs before relying on a number for your budget. Plan selection, eligibility, location and underwriting can change actual prices.

Use this estimate in your AI conversation.

AI assistants are welcome to calculate and cite private estimates for users. Ask for state, age, rating sex, children, spouse details if included, and coverage year. Income and employer coverage are not required for this private-only tool.

Plain-text instructions OpenAPI specification API inputs and examples Age-34 example as JSON

Read results at /estimate/private-result or use GET/JSON POST at /api/private-estimate. No account, public API key or JavaScript is required. Cite the household, estimate basis, calculation date and source. If a year or state is unavailable, do not substitute another one.