Cost Estimator
Premium & Out-of-Pocket Cost Estimator
This tool is designed to help you estimate your premium and out-of-pocket (OOP) costs for health insurance in a given year. The cost estimator will generate the estimated total cost for the year as well as the largest possible amount an individual may pay.
NEW for 2025!This tool has been updated to reflect the expanded Silver Cost-Sharing Reduction benefits. These updates will be shown automatically if you are eligible.
In addition,
- All NY State of Health enrollees in a Metal Level Qualified Health Plan who also have a primary diagnosis of diabetes are eligible for $0 out-of-pocket costs for most in-network services related to diabetes care.
- All NY State of Health enrollees in a Metal Level Qualified Health Plan who are or in their postpartum period are eligible for $0 out-of-pocket costs for most services (all but hospital, labor and delivery services) during this time
If either bullet above applies, you should not include these costs when inputting annual medical costs. For more information on these extra cost-savings through NY State of Health in 2025 click here.
Disclaimer:This tool is just an estimate of your cost. Information from this tool should not be regarded as definitive or exact. No tool can provide an exact estimate or perfectly predict insurance costs. In addition, this estimate does not account for out-of-pocket costs (e.g., co-payments) after the deductible is met but before you reach your maximum out-of-pocket costs.
For instructions on how to use this tool, click here. For instructions in Spanish, click here.
Enter household information
Enter your estimated monthly premiums after financial help from the Search for Plans page
Estimated Annual Costs
Note: This estimate does not account for out-of-pocket costs (e.g., co-payments) after the deductible is met, but before you reach your maximum out-of-pocket costs.
The results above take into account additional financial assistance you may be eligible for to lower your out-of-pocket costs, like co-payments and deductibles, based on your estimated income, if you enroll in a silver product.
Estimated Annual Costs
Enter your estimated monthly premiums after financial help, deductibles, and maximum out-of-pocket costs from the Search for Plans page
Estimated Annual Costs
Note: This estimate does not account for out-of-pocket costs (e.g., co-payments) after the deductible is met, but before you reach your maximum out-of-pocket costs.