Accurate open market costs of Healthcare

KFF is a great tool! Bigger Pockets Money has also released a tool that's great as well Healthcare Cost Projection - BiggerPocketsMoney

I can’t remember which personal finance podcast (it was sometime around the government shutdown over the subsidies) I got this from but I’ve found it updated and useful:

Health Insurance Marketplace Calculator | KFF

The Health Insurance Marketplace Calculator, updated with 2025 premium data, provides estimates of health insurance premiums and subsidies for people purchasing insurance on their own in health insurance exchanges (or “Marketplaces”) created by the Affordable Care Act (ACA).

KFF

As others noted check the aca site as each location varies widely. Also suggest check with a health insurance agent. They are paid by the health provider so it doesn’t affect your rate and they do the shopping for you.

Are you looking for the cost of healthcare or health insurance? The former varies a lot since there isn't an effective market to provide price transparency. For health insurance, go to healthcare.gov or ehealthinsurance and run the estimates pretending like you are eligible now. Odds are the subsidies and all that will change significantly between now a then, but it's a starting place.

I agree with checking your state's ACA marketplace first. It also helps to compare deductibles, out-of-pocket limits, and provider networks, not just the monthly premium, to get a more realistic estimate.

The website for your state's ACA marketplace is the best place to research the ACA plans available to you.