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Why Is My Marketplace Premium So High?

The three reasons unsubsidized marketplace premiums land where they do — and what to check before you accept one.

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At A Glance

What a private PPO can do that most plans can't.

Pre-existing conditions covered

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5 min read

If the marketplace just priced a bronze plan at $750 a month, nothing has gone wrong. That's the unsubsidized price, and here's what's behind it.

Guaranteed issue has a price

Marketplace carriers must accept everyone, including people with expensive conditions. Everyone's premium carries a share of that cost. It's a deliberate design choice, not a mistake.

You may be just over the subsidy line

Premium tax credits taper off as income rises. A few thousand dollars of income can be the difference between a heavily discounted plan and the full sticker price.

Check your estimate before accepting the number — especially if your income varies.

Bronze doesn't mean cheap to use

The lowest-premium tier carries the highest deductible. A $750 premium with a $9,000 deductible is not a cheap plan; it's a cheap month.

What to do next

Check Medicaid eligibility, re-check your subsidy estimate, then price a private PPO. If a subsidy applies, take the marketplace plan — it'll be hard to beat.

General information only. Not insurance, tax or legal advice about your situation, and not a quote.

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  2. 02

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  3. 03

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Step 1 of 5

Step 1 of 5

Let's find your coverage

Start with your state.

Secure & confidentialTakes about 30 seconds