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ACA / Marketplace Data

What an ACA plan costs, state by state

The benchmark premium is the number every subsidy is calculated against. Nationally it reached $625 a month in 2026, a 26% jump in one year, and the spread between states is larger than most people imagine. Toggle between the published 2026 figure, the projected 2027 figure, and the proposed 2027 increase.

Published average monthly benchmark premium for a 40-year-old, before any tax credit. This is the plan every subsidy is calculated against.

Alabama: $645Alaska: $1,032Arizona: $532Arkansas: $774California: $570Colorado: $557Connecticut: $870Delaware: $691District of Columbia: $610Florida: $683Georgia: $615Hawaii: $541Idaho: $490Illinois: $646Indiana: $474Iowa: $501Kansas: $670Kentucky: $590Louisiana: $646Maine: $709Maryland: $414Massachusetts: $494Michigan: $523Minnesota: $448Mississippi: $662Missouri: $605Montana: $692Nebraska: $710Nevada: $497New Hampshire: $401New Jersey: $545New Mexico: $623New York: $817North Carolina: $638North Dakota: $570Ohio: $513Oklahoma: $604Oregon: $543Pennsylvania: $572Rhode Island: $506South Carolina: $564South Dakota: $655Tennessee: $711Texas: $661Utah: $640Vermont: $1,299Virginia: $455Washington: $612West Virginia: $1,073Wisconsin: $611Wyoming: $1,090AL$645AK$1032AZ$532AR$774CA$570CO$557FL$683GA$615ID$490IL$646IN$474IA$501KS$670KY$590LA$646ME$709MI$523MN$448MS$662MO$605MT$692NE$710NV$497NM$623NY$817NC$638ND$570OH$513OK$604OR$543PA$572SC$564SD$655TN$711TX$661UT$640VA$455WA$612WV$1073WI$611WY$1090
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Hover or tap any state. The spread is larger than most people expect: New Hampshire sits at $401 a month while Vermont sits at $1,299, for the same 40-year-old buying the same category of plan.

National average, 2026
$625/mo
National average, 2025
$497/mo
One-year change
+26%

2026 figures are published data: the second-lowest-cost silver premium for a 40-year-old in each county, weighted by county plan selections, from KFF’s analysis of HealthCare.gov, state rate review filings, and state plan finders. 2027 figures are projections built from filed rate increases and are labelled as such.

Source & methodology

2026 figures are the average monthly benchmark (second-lowest-cost Silver) premium for a 40-year-old, before subsidies, as published by KFF. 2027 figures carry that benchmark forward by the average rate increase insurers in each state have filed — filed, not approved. We link to the source directly rather than re-hosting it as our own claim.

View the source on KFF.org ↗

Wondering what you'd pay privately instead?

If you're healthy and above the subsidy cliff, a private plan is often 30–60% below the number shown above for your state.

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