There’s another factor in what you pay for an ACA plan -- your income. If your household income doesn’t exceed 250% of the federal poverty level, you can qualify for subsidies that lower your monthly premiums. That’s about $32,000 for an individual and $65,000 for a family of four.
You can also get tax credits to help pay for health insurance if your household income is below 400% of the federal poverty level. That’s about $51,000 for an individual and $105,000 for a family of four.
Kaiser Family Foundation offers a tool that estimates health insurance costs for a marketplace plan .