Compare Health Insurance Quotes (2025)

Selecting the best health insurance plan can feel overwhelming. If you aren’t eligible for employer-sponsored health insurance, you can buy a plan through the Affordable Care Act (ACA) marketplace at Healthcare.gov, which lets you compare plans available in your area.

The ACA also allows you to compare multiple quotes so you can select the best health insurance plan that works for you.

Compare Health Insurance by Plan Level, Metal Tier, Age, Company

The cost of health insurance on the ACA marketplace varies based on multiple factors. Let’s take a look at average costs using some of those factors.

Average Costs by Health Insurance Plan

The health plan’s benefit design dictates things like whether you can get out-of-network care and whether you need referrals to see specialists. It also influences your costs.

Average Costs by Metal Tier

Premiums and out-of-pocket costs decide an ACA plan’s metal tier. If you’re looking for affordable health insurance going with a bronze plan with lower premiums but higher out-of-pocket costs when you need care might be your best bet.

Average Health Insurance Costs by Age

Your age is one of the most important factors that dictate your health insurance costs on the health insurance marketplace. The ACA marketplace is the only place where standard health insurance uses age to set rates. Employer plans, which is how most pre-retirement age Americans get coverage, do not use age as a factor.

Compare Health Insurance Quotes by Company

Obamacare costs differ by company, so it’s wise to compare costs for multiple plans before choosing an ACA plan.

How to Compare Health Insurance Quotes and Plans

Compare health insurance premiums, out-of-pocket costs like deductibles and coinsurance and the plans’ benefit designs and provider network when figuring out which ACA plan to choose.

Premiums, which you pay for health insurance coverage, are one important factor, but don’t forget to review deductibles, coinsurance and copays, too. Those costs are factored in whether an ACA plan is bronze, silver, gold or platinum. The ACA marketplace lets you compare all of those cost factors.

Here’s how to compare health insurance quotes and plans.

Compare Types of Plans

The type of plan you choose dictates the flexibility of your health insurance. Some plans allow you to see almost any doctor, while others restrict your options to only in-network providers. Plans vary in cost as well. There are four basic types of health care plan benefit designs: HMO, PPO, POS and EPO.

Benefit design reflects whether the plan allows out-of-network care, requires members to choose a primary care provider and mandates if members need referrals to see specialists. A plan’s benefit design influences not only how much your health plan flexibility but also how much you pay for out-of-network services.

Benefit Design Comparison

Compare HDHP and HSA

If you’re looking for low premiums, a high-deductible health plan (HDHP) may be a good choice. An HDHP has lower monthly premiums but higher out-of-pocket costs. Bronze and silver plans may be considered HDHPs on the ACA marketplace.

An HDHP makes you eligible for a health savings account (HSA). HSAs are accounts that you use to pay for eligible healthcare costs. You put in the money tax-free, take it out tax-free and get the compounded growth tax-fee.

You’ll also want to think about referrals when choosing a plan. Depending on your health insurance plan, you may need to get a referral from a primary care provider to see a specialist. HMOs typically require referrals, but PPOs and EPOs generally don’t require referrals to see specialists.

Compare Referrals

Depending on your health insurance plan, you may need to get a referral from a primary care provider to see a specialist. HMOs typically require referrals, but PPOs and EPOs generally don’t require referrals to see specialists.

When your plan doesn’t require a referral, you often have more flexibility in scheduling specialist appointments and can worry less about the accompanying costs. But that flexibility often comes with higher premiums.

Compare Metal Tiers

Health plans in the ACA exchange are organized into four metal tiers based on costs:

• Bronze and silver plans typically have the lowest premiums.
• Gold and platinum plans have higher premiums.
• However, bronze and silver plans have higher out-of-pocket costs than gold or silver plans when you need care.

You shouldn’t choose a health care plan solely on premiums. Out-of-pocket costs also play a vital role in overall health expenses. Out-of-pocket costs, including health insurance deductibles and coinsurance, are what you pay when you need health care services. Gold and platinum plans have the lowest out-of-pocket costs, so you’ll pay less when you need care with those plans rather than bronze or silver plans.

A marketplace plan’s metal tier only helps you figure out health care costs. It doesn’t take into account the plan’s benefit design.

Metal Tier Comparison

Compare Deductibles and Out-of-Pocket Costs

A health insurance deductible is the amount you pay for health care services annually before your health insurance plan begins to kick in money.

Once you reach your plan’s deductible, you typically reach the coinsurance portion of your health plan. With coinsurance, you and the health plan pay a percentage for healthcare services. If your health plan has a 30% coinsurance level, you pay 30% of the healthcare services bill and the insurer pays the other 70%. You pay coinsurance until you reach your plan’s annual out-of-pocket maximum.

Out-of-pocket costs refer to the patient’s personal costs associated with healthcare. Your plan’s deductible and coinsurance (and copayments for some plans) are factored into your out-of-pocket costs. Premiums aren’t considered out-of-pocket costs.

Compare Medication Coverage

Health insurance helps pay for the cost of certain prescription medications. A formulary is a list of generic and brand name prescription drugs that are covered by a health care plan. Where a drug sits on your plan’s formulary tier influences how much it will pay and how much you pay for the drug.

The number of tiers may differ by health insurance plan. An example of a plan formulary is:

• Tier 1: Inexpensive generic drugs.
• Tier 2: More expensive generic drugs and some brand-name drugs.
• Tier 3: High-cost brand-name drugs that may have a generic or other alternative.
• Tier 4: Expensive, brand-name drugs.

To find out what your plan covers, look for the formulary, which may be on the insurer’s website, in your Summary of Benefits and Coverage notice from the insurance company or in any coverage materials your plan sends to you. You can also reach out to the insurer directly for this information.

Compare Out-of-Network Coverage

Out-of-network coverage possibilities are important to consider. Health insurance companies contract with physicians and medical establishments. These providers are considered your plan’s network.

Some plans, like PPOs, allow you to get care outside of your network at a higher price, while HMOs and EPOs generally don’t allow it.

Check the health plan’s provider network to make sure you have providers in your area that accept the insurance. This is especially crucial if it’s a plan that doesn’t pay for out-of-network care.