Everyday ToolboxACA Open Enrollment 2027 Calculator: Bronze vs Silver vs Gold
Compare ACA Marketplace plans for 2027 coverage. Enter the premiums, deductibles, coinsurance and out-of-pocket maximums from the plans you see on HealthCare.gov, plus what you expect to spend on medical care next year, and this calculator shows estimated total annual cost for Bronze vs Silver vs Gold side by side. Runs entirely in your browser; nothing is uploaded.
- Nov 1, 2026 – Jan 15, 2027: Open Enrollment window.
- Enroll by Dec 15, 2026: coverage starts Jan 1, 2027.
- Enroll Dec 16, 2026 – Jan 15, 2027: coverage starts Feb 1, 2027.
State-run Marketplaces can have different deadlines. Medicare is a separate program with its own enrollment window (Oct 15 – Dec 7, 2026). Confirm your state's dates on HealthCare.gov.
Bronze
Silver
Gold
Tip: copy the exact premium, deductible, coinsurance and out-of-pocket maximum from each plan's Summary of Benefits on HealthCare.gov. This tool does not estimate your premium or subsidy — it compares the plans you enter.
Frequently Asked Questions
What is the difference between Bronze, Silver and Gold ACA plans?
Bronze plans usually have the lowest monthly premium but the highest deductible and out-of-pocket costs — you pay more when you get care. Gold plans usually have the highest premium but the lowest deductible and out-of-pocket costs. Silver is in the middle. Which one costs less overall depends on how much care you actually use, which is what this calculator compares.
When is ACA Open Enrollment for 2027 coverage?
On the federal Marketplace (HealthCare.gov), Open Enrollment for 2027 coverage runs Nov 1, 2026 – Jan 15, 2027. Enroll by Dec 15, 2026 for coverage starting Jan 1, 2027; enroll Dec 16 – Jan 15 for coverage starting Feb 1, 2027. State-run Marketplaces can differ — check your state's exchange.
Is Medicare Open Enrollment the same as ACA Open Enrollment?
No. Medicare has its own Annual Enrollment Period (Oct 15 – Dec 7, 2026 for 2027 coverage). This calculator is for ACA Marketplace plans only, not Medicare.
Does this calculator estimate my subsidy or premium tax credit?
No. Subsidy and premium tax credit rules change and depend on your household, income and state. Check your eligibility and exact premium on HealthCare.gov. Enter the premium you see there (after any savings you qualify for) into this calculator.
Is this financial or insurance advice?
No. This is a simplified estimate for comparison purposes only. It does not model copays, prescription tiers, out-of-network charges, or tax effects. Always confirm details in the plan's official Summary of Benefits and Coverage before enrolling. Enroll only on HealthCare.gov or your state's official Marketplace.
Disclaimer: Estimates only, not advice, not enrollment. This tool does not sell insurance, collect personal data, or enroll you in any plan. For official enrollment, visit HealthCare.gov.