Find out how much you'd pay for the cheapest bronze, silver, or gold plan. 

Answer: $381 - 507

• Cheapest bronze plan: $381
• Cheapest silver plan: $487
• Cheapest gold plan: $507
  

Note: These answers are nationwide averages. See the state-by-state comparison below. 

2025 Benchmark Premium Cost by State

Questions:

• How do premium costs in your state compare to the rest of the U.S.?
• What might be the tradeoffs of choosing a health insurance plan with a lower premium?
• What are some ways people reduce the cost of their monthly health insurance premium?

Click here for the ready-to-go slides for this Question of the Day that you can use in your classroom.

Behind the numbers (KFF):

"Premiums for ACA Marketplace benchmark silver plans grew by about 5% in 2024, on average before taking into account subsidies. Meanwhile, premiums for the lowest cost unsubsidized bronze plans grew by about 6%, on average, in 2024."

"In 2024, 9 in 10 marketplace enrollees received premium tax credit subsidies and therefore will not necessarily pay a higher premium, even if the unsubsidized premiums in their county are rising. To account for premium increases, federal spending to finance subsidies will also increase.

With the enhanced financial assistance for ACA Marketplace coverage provided by the Inflation Reduction Act, subsidized enrollees with incomes at or below 150% of poverty ($21,870 for an individual and $45,000 for a family of 4) can get a free ($0 premium) or nearly free silver plan with a very low deductible if they sign up for the lowest or second-lowest cost silver plan. Relative to the original ACA subsidies, the Inflation Reduction Act also reduced payments for middle-income enrollees and removed the upper income limit on subsidy eligibility." 

About the Author

Kathryn Dawson

Kathryn (she/her) is excited to join the NGPF team after 9 years of experience in education as a mentor, tutor, and special education teacher. She is a graduate of Cornell University with a degree in policy analysis and management and has a master's degree in education from Brooklyn College. Kathryn is looking forward to bringing her passion for accessibility and educational justice into curriculum design at NGPF. During her free time, Kathryn loves embarking on cooking projects, walking around her Seattle neighborhood with her dog, or lounging in a hammock with a book.

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