Health Insurance Premium Estimator

Under the Affordable Care Act, beginning in 2014, many individuals and families will be eligible to receive subsidized coverage through MNsure if they are not eligible for Medicare, Medicaid or the Children's Health Insurance Program and are not offered affordable coverage through their employer.

Notes: This calculator shows estimated premiums for families and individuals eligible to purchase coverage through MNsure. Actual premiums are not yet known. The calculator also indicates income-eligibility for Medicaid. Also, the calculator is not applicable for American Indians, who will have unique rights, benefits or opportunities through MNsure.

  • Under the law, maximum contributions to premiums will be based on modified adjusted gross income.
  • Estimates in this calculator are based on the annual income entered by the user.
  • The premiums in this calculator use national estimates from the Congressional Budget Office for silver plans, adjusted for premium inflation and the ages of the individuals.
Household Information

Enter household size and Modified Adjusted Gross income (income before deductions on your most recent tax return form) for all individuals included on your tax return (yourself, spouse and dependents, if applicable). This helps determine eligibility and tax credits.



Enrollee Information

Enter age information only for those household members who need coverage.




The estimated tax credit from the government shown below indicates the amount an individual or family will save on monthly premiums, compared to what they would pay in the individual market without a tax credit. Premiums are shown for a "silver plan," but individuals and families can choose to purchase a more generous or less generous plan. Silver plans offer a more generous level of benefits than most plans in the current individual market.

Monthly Cost

Further notes on methodology and assumptions »
Development of this calculator was funded by a grant from The California Endowment.