Costs & Prices

A 60-year-old’s benchmark Marketplace plan runs about $1,327 a month before subsidies in 2026, which is why the subsidy cliff hurts most at this age.

A 50-year-old’s benchmark Marketplace plan runs about $873 a month before subsidies in 2026, and prices climb faster after 50 than before it.

Forty is the standard age for comparing ACA premiums. The 2026 national benchmark plan for a 40-year-old runs $625 a month before any tax credit.

A 30-year-old’s benchmark Marketplace plan runs about $555 a month before subsidies in 2026, and 30 is also the cutoff for catastrophic plans.

A 26-year-old’s benchmark Marketplace plan runs about $501 a month before subsidies in 2026, right around when parent’s-plan coverage ends.

Pregnancy through postpartum care averaged $20,416 with job-based insurance in 2021-2023, $2,743 of it out of pocket. Medicaid pays for about 4 in 10 births.

A moderate urgent care visit billed $367 on average in 2023, though insurers paid $188 of it. Here’s what drives the price and how to pay…

An ER visit averaged $1,405 across all payers in 2024 and $2,453 to $2,909 for people with job-based coverage. Uninsured bills can run higher.

Medicare pays about $95 to $177 for a 2026 office visit, but that’s not your bill. Here’s what really drives a self-pay doctor visit’s cost, and…

Insurers are proposing 2027 Marketplace rate increases averaging about 15% nationally before subsidies, ranging from 3% to nearly 29% by state.