What drives your monthly premium?
Your premium depends on your age, ZIP code, tobacco use, plan level and household size. Learn what affects your monthly premium, then see a full breakdown of what coverage costs.
How premium tax credits lower your bill
Marketplace tax credits are based on expected household income for the coverage year. For 2027 coverage, credits generally go to households between 100% and 400% of the federal poverty level. Our guide to premium tax credits shows the math step by step, and income-based coverage explained covers how income changes your options.
Low-cost options when money is tight
There are still good choices if you earn too much for Medicaid or too much for a tax credit. Compare low-cost health plans, coverage when Medicaid is not an option and options when you do not get a subsidy.
Budgeting for a family
Family coverage adds more people and more care. So plan for premiums and out-of-pocket costs together. Our family cost guide helps you set a realistic budget.
See your real price
The fastest way to know your cost is a quote with your own ZIP code and income. Call 888-730-6001, and a licensed Vivna agent will show plans with your tax credit applied.