I want to enroll in a Marketplace family plan to cover myself, my spouse, and our children. How will my family premium be calculated?

Family premiums will reflect the composition of family members; in most states, this includes their ages and any tobacco use. To calculate a “family premium,” insurers will add together a separate premium for each adult age 21 and older. Insurers can charge a separate premium for up to three children under age 21. For example, if you have four children under age 21, your family premium will reflect two adult premiums and only three child premiums. Note that premiums are the same for kids up to age 14 but start to increase after that.

If you or your spouse uses tobacco, depending on the state you live in, your insurer may apply a tobacco surcharge, which can increase the tobacco user’s separate adult premium in the family premium calculation by up to 50%.