Healthcare Open Enrollment should be simple and easy. Understanding the relationship between Income, Health Insurance Premiums, and ACA subsidies is important in navigating the insurance marketplace and making wise and beneficial choices. This calculator is a helpful start.
Throughout the country, for every household with income less than 400% of the Federal Poverty Level (FPL), the maximum health insurance premium will be the same (Alaska and Hawaii with minor differences.) A 3 person household in San Francisco making $50,000/year will pay the same maximum amount for premiums as a downtown Detroit household or a family in rural Kansas. Age, zip code, and pre-existing conditions are not a factor.