Five categories of coverage we place, plus how the ACA Marketplace stacks up if you're still weighing it.
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If you qualify for a subsidy, this is almost always still your best value — compare before you rule it out.
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Figures reflect approximate 2026 federal limits and typical benchmark plan design; actual numbers vary by carrier and state.
Unsubsidized benchmark Silver premium for a 40-year-old, 2026 — before any tax credit. Your private-plan estimate assumes good health and no major prescriptions.
| State | Marketplace (Unsubsidized) | Private Plan Est. | Typical Savings |
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Marketplace figures: KFF state benchmark premium data ↗ and MoneyGeek's 2026 analysis ↗ of CMS rate filings, benchmark Silver plan, 40-year-old, unsubsidized. Private plan estimates are illustrative ranges for healthy applicants and vary by carrier, age, and health. If you qualify for an ACA subsidy, it is usually still your best value — see Get My Quote to check.
See the full interactive state map →We'll run the numbers on all of it, together, in one call.
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