Am I overpaying?
Two minutes. Compares what you pay now with a 2027 Bronze HSA plan for your age, state and income.
Healthy and earning too much for a tax credit?
You pay full price for any Marketplace plan. Private plans that ask about your health first can price a healthy applicant lower, and some come with PPO networks. They can exclude pre-existing conditions or decline you, so we quote them side by side with Marketplace plans.
Get private plan quotes →- Benchmark Silver, after any credit
- Premium tax credit
- 2027 HSA
Healthy, rarely use your plan, and paying a lot?
Marketplace plans charge a healthy 45-year-old the same as one in treatment. If you see a doctor once a year and take no regular medications, you may be paying for care you don't use.
Where healthy people save:
- Bronze HSA plans: lower premiums, plus up to $9,000 a year (family) into a tax-free health savings account.
- Private plans that review your health: often the lowest price for healthy people who earn too much for a tax credit.
- Tax deductions: self-employed people can deduct premiums and HSA contributions.
Private plans can exclude pre-existing conditions or decline you, and they don't get tax credits. If you qualify for a credit or have ongoing care, a Marketplace plan is usually the better choice.
How the calculator works
It estimates the 2027 benchmark Silver premium for your household from your state's average and the federal age curve, then checks your income against the IRS 2027 tax-credit table. A typical Bronze plan runs about 22% below Silver. For care, it assumes you pay the plan's negotiated price before the deductible (about $150 for a sick visit) plus your prescriptions, and it takes off the federal tax you save by filling your HSA. State tax savings are left out, so most people save a little more than shown.
Want the full story? Read why healthy people overpay, how private plans that review your health work and Bronze HSA plans for healthy buyers, or browse all Healthy & Wealthy guides.
Questions healthy buyers ask
Can I pay less for health insurance because I am healthy?
Not on a Marketplace (ACA) plan: those prices depend only on age, location, household size and tobacco use. You can pay less by choosing a Bronze plan with a health savings account, by using tax deductions, or, if you earn too much for a tax credit, by applying for a private plan that reviews your health. Those plans can exclude pre-existing conditions or decline you.
Who is most likely to be overpaying?
Healthy people who earn above 400% of the poverty line (about $63,840 for one person or $132,000 for a family of four for 2027 coverage). They get no tax credit, so they pay the full Marketplace price, even if they rarely see a doctor.
Is a private plan better than a Marketplace plan?
For a healthy person with a high income it often costs less, and some include PPO networks. For anyone who qualifies for a tax credit or has an ongoing condition, a Marketplace plan is usually the better value and the safer choice. We quote both and show the tradeoffs.
How accurate is this calculator?
It uses the 2027 average benchmark Silver premium for your state, the federal age curve, the IRS 2027 tax-credit table and 2027 HSA limits. Real prices vary by ZIP code and insurer, so treat the result as a starting point and get quotes for exact numbers.
What is the catch with a Bronze HSA plan?
A high deductible. In a year with a big claim you pay up to the plan’s out-of-pocket maximum before it pays 100%. Healthy people often come out ahead anyway, especially if they keep the premium savings in the HSA.
Sources: KFF 2027 average benchmark premiums; CMS default age curve; IRS Rev. Proc. 2026-26 (2027 applicable percentages); IRS Rev. Proc. 2026-24 (2027 HSA limits); IRS Rev. Proc. 2025-32 (2026 tax brackets); 2026 HHS poverty guidelines.