![]() ![]() Actual tobacco surcharges will vary by plan and some states do not permit insurers to vary premiums by tobacco status. However, in most states, insurers can charge a tobacco surcharge of up to 50% of your total premium, and tax credits do not apply to the surcharge. The calculator does not display a tobacco surcharge. Premiums in the calculator vary by age within the three to one limit specified in the law, using age factors from proposed regulations issued by HHS (or, state specific age factors where states have adopted them). The premium is adjusted for family size and age of the user. ![]() ![]() Actual premiums may be higher if plans include "non-essential benefits" such as dental or vision care. Premiums shown are the premium portion used for Essential Health Benefits. Not all plans are available in all parts of the county, so actual premiums may vary depending on plan availability. The silver premium is the second-lowest cost silver premium available in the county of the entered zip code and the bronze premium shown is the lowest-cost bronze plan in the county of the entered zip code. Premiums were obtained through data published by the Centers for Medicare and Medicaid Services (CMS), data received directly from state exchanges or insurance departments, and data collected from state-based exchanges by KFF researchers. Premiums displayed in the calculator’s results are based on actual exchange premiums in 2024 dollars. The Health Insurance Marketplace Calculator is based on the Affordable Care Act (ACA) as signed into law in 2010, and subsequent regulations issued by Health and Human Services (HHS) and the Internal Revenue Service (IRS). ![]()
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