Your ACA Health Insurance Calculator
Mobile Experience Notice
For the best experience, we recommend using a desktop computer. Some features may not display optimally on mobile devices. If unavailable, horizontal orientation is recommended.

We get it— choosing a healthcare provider can be confusing.
Medical expenses are the 3rd leading cause of bankruptcy in the US, so making the right choice can be critical.
With a little information, ILUMIA can estimate your annual out-of-pocket expenses for EVERY plan you're eligible for in the marketplace, according to each plans benefit structure.
Although cost is just one of the many factors to consider when deciding which plan is right for you, we're here to guide you through it, for FREE.

How It Works:
- Step 1: Eligibility
Determine which plans you’re eligible for in the Healthcare.gov marketplace. (Note: we do NOT save or sell your data). - Step 2: Services
Select the "services" you expect to use or want to estimate for the upcoming year—be it coverage for routine care, ongoing care (ex: therapy), or catastrophe (ex: hospitalization). - Step 3: Results
Explore a complete list of every plan you're eligible for, along with a clear breakdown of how each service affects your costs across providers.
Let's go!
- 1. Eligibility
- 2. Household
- 3. Services
- 4. Results