Cost by Age Tool (2026)
2026 plan-year rules · runs entirely in your browser, nothing is stored · Last reviewed July 2026
Premiums scale with age on a federally capped 3:1 curve — except in New York and Vermont, where age doesn't matter, and Massachusetts, where the spread is halved. Pick a state and age to see the estimated sticker price.
Prefer tables? Pre-computed pages: age 26 · age 30 · age 35 · age 40 · age 45 · age 50 · age 55 · age 60 · age 62 · age 64
Compare 2026 plans and prices side by side
Licensed marketplaces and brokers can show you every plan available at your address — including ones with better networks or lower deductibles than your current plan.
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