{
  "query": {
    "country": "US",
    "area": null,
    "metal_level": "bronze",
    "age": "27"
  },
  "status": "ok",
  "price": {
    "currency": "USD",
    "unit": "per month",
    "value": 456,
    "measure": "median",
    "median": 456,
    "typical_low": 358,
    "typical_high": 629,
    "min": 260,
    "max": 1139
  },
  "sample_size": 7828,
  "period": {
    "from": "2026-01-01",
    "to": "2026-12-31"
  },
  "confidence": "high",
  "price_type": "posted_price",
  "as_of": "2026-10-24T11:06:48.140Z",
  "source": {
    "id": "us-cms-aca-premiums",
    "name": "Health Insurance Exchange Public Use Files: Rate PUF and Plan Attributes PUF",
    "publisher": "Centers for Medicare & Medicaid Services (CMS), US Department of Health and Human Services",
    "licence": "US federal government data, public domain: data.gov record \"Rate PUF – PY2026\" licence https://www.usa.gov/publicdomain/label/1.0/ (read 2026-10-23). The CMS Exchange PUF Data Disclaimer-User Agreement adds: \"The user may not present or otherwise reference data that have been altered in any way as CMS data.\" No commercial-use restriction is stated.",
    "licence_url": "https://catalog.data.gov/dataset/rate-puf-py2026",
    "attribution": "Derived from Centers for Medicare & Medicaid Services, 2026 Health Insurance Exchange Public Use Files (Rate PUF, Plan Attributes PUF). ProofPrice aggregates; not CMS data and not endorsed by CMS.",
    "url": "https://www.cms.gov/marketplace/resources/data/public-use-files"
  },
  "method": "Listed monthly premiums (before tax credits) of individual-market medical plans on HealthCare.gov for the plan year, from the CMS Exchange public use files. Median and 10th to 90th percentile across plan offers (each plan counted once per rating area) in the state for the chosen metal level and age, non-smoker rate; not weighted by enrolment. Posted list prices, not amounts paid; at least 5 plan offers are needed.",
  "method_url": "https://proofprice.com/method",
  "summary": "Listed monthly premium of a bronze marketplace plan for age 27 in the HealthCare.gov states, plan year 2026, before tax credits: median US$456; 10th to 90th percentile US$358 to US$629. These are posted list premiums, not amounts paid. Based on 7828 marketplace plan offers (Centers for Medicare & Medicaid Services (CMS), US Department of Health and Human Services, plan year 2026). Confidence: high.",
  "notice": "Information, not a valuation or offer. Ranges describe past recorded prices.",
  "extra": {
    "price_basis": "posted list premium per month before subsidies; not an amount paid",
    "plan_year": 2026,
    "area_resolved": "the HealthCare.gov states",
    "metal_level": "bronze",
    "age_resolved": "27",
    "states_available": [
      "AK",
      "AL",
      "AR",
      "AZ",
      "DE",
      "FL",
      "HI",
      "IA",
      "IN",
      "KS",
      "LA",
      "MI",
      "MO",
      "MS",
      "MT",
      "NC",
      "ND",
      "NE",
      "NH",
      "OH",
      "OK",
      "OR",
      "SC",
      "SD",
      "TN",
      "TX",
      "UT",
      "WI",
      "WV",
      "WY"
    ],
    "sample_size_note": "sample_size is the number of plan offers (a plan in a rating area), not a number of people."
  },
  "answer_id": "ans_5d427b14e1ae9f70eca2",
  "method_version": "1",
  "retrieved_at": "2026-10-24T11:06:48.139Z",
  "evidence": {
    "type": "posted_price",
    "label": "Posted or listed price",
    "meaning": "A price a seller, market or authority publishes in advance (a shelf price, tariff, fee schedule or quoted wholesale price): it is what is asked, not a record of what each customer paid."
  },
  "reliability": "record_level",
  "data_as_of": "2026-01-01",
  "data_age_days": 296,
  "suggestions": [
    "This is a posted price, not what each customer paid."
  ]
}