Data study

2027 ACA Marketplace Premiums by State

We analyzed 3,717 2027 ACA Marketplace plans across 29 states to find the lowest monthly premium, the number of plans, and the number of insurers in each. The lowest-cost plans start at $351/mo in Missouri and $824/mo in Wyoming for a 40-year-old before any subsidy.

Most affordable state

Missouri

from $351/mo

Least affordable state

Wyoming

from $824/mo

Most plan choices

Texas

907 plans

Plans analyzed

3,717

across 29 states

Key findings

Across the 29 states analyzed, 3,717 ACA Marketplace health insurance plans are offered by 98 insurance companies for 2027.
The average lowest-cost Silver plan premium for a 40-year-old is $650 per month before subsidies.
New Hampshire has the lowest starting Silver premium at $458 per month, while Wyoming has the highest at $1,121 — a 145% spread between states.
Texas offers the most plan choices, with 907 Marketplace plans from 13 insurers.

Lowest 2027 premium by state

Sorted from most to least affordable. Premiums are the lowest monthly cost for a 40-year-old before subsidy; your price depends on age, income, and county.

#	State	Plans	Insurers	From / month	Silver from	Median Silver	Lowest-cost plan
1	Missouri	98	6	$351	$590	$751	Anthem Catastrophic Pathway HSA (+ Incentives)
2	New Hampshire	28	3	$351	$458	$538	Anthem Catastrophic Pathway X Enhanced HSA Eligible
3	Iowa	71	5	$356	$471	$601	Wellmark Bronze Standard \| UnityPoint Health
4	North Dakota	46	3	$357	$478	$708	Sanford Individual TRUE Standardized $7,500
5	Florida	373	12	$362	$597	$747	Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access)
6	Alabama	60	4	$375	$656	$738	Blue Protect
7	Arizona	140	6	$386	$517	$690	Catastrophic Standard
8	Michigan	143	7	$386	$469	$688	Blue Cross® Local HMO Catastrophic HSA
9	South Carolina	136	6	$386	$587	$673	BlueEssentials Catastrophic 1
10	Texas	907	13	$389	$598	$827	MyBlue Health Bronze℠ - Standard HSA
11	Arkansas	38	4	$400	$718	$780	Octave Catastrophic HSA
12	Ohio	149	9	$406	$528	$623	MedMutual Catastrophic ON-EX
13	Indiana	55	4	$411	$474	$573	Anthem Catastrophic Essential HSA (+ Incentives)
14	Wisconsin	279	12	$424	$615	$746	QUARTZ ONE ACHIEVE W/UW HEALTH CATASTROPHIC $12,000 DED
15	Utah	49	5	$435	$601	$776	Imperial Preferred Catastrophic
16	South Dakota	60	3	$439	$561	$753	DirectConnect Standard $7500 HSA Eligible HDHP
17	Hawaii	16	2	$448	$568	$604	KP HI Standard Bronze 7500/50 HSA
18	Louisiana	105	6	$459	$641	$742	Signature Blue 90/70 $9900 with 2 $0 PCP Virtual Visits HSA Eligible
19	Oklahoma	147	5	$467	$618	$736	Bronze Simple
20	Montana	73	2	$479	$678	$906	Peak PPO Catastrophic
21	North Carolina	251	5	$483	$545	$764	Signature Expanded Bronze with Atrium Health
22	Tennessee	176	5	$489	$696	$830	BlueCross B15E HSA + $0 virtual care from Teladoc Health®
23	Kansas	57	5	$508	$632	$809	Bronze Classic Standard
24	Delaware	29	2	$550	$869	$950	my Blue Access Major Events Select PPO Catastrophic 12000 HSA - 3 Free PCP Visits
25	Nebraska	127	5	$571	$699	$884	Bronze Classic Standard \| with Bryan Health
26	West Virginia	20	2	$625	$1,016	$1,073	my Blue Access WV Major Events PPO Catastrophic 12000 HSA - 3 Free PCP Visits
27	Mississippi	43	3	$657	$758	$808	Bronze Simple
28	Alaska	12	2	$766	$1,078	$1,165	Moda Select Alaska Standard Bronze
29	Wyoming	29	2	$824	$1,121	$1,156	BlueSelect Bronze Basic

Methodology

Figures cover on-exchange individual medical plans for the 2027 plan year in the 29 states PlanVoyager has Marketplace data for, deduplicated to one entry per base plan. The “from” price is the lowest premium available to a 40-year-old across each plan’s rating areas, before any premium tax credit. “Silver from” is the same figure restricted to Silver plans, and “Median Silver” is the median of per-plan lowest Silver premiums in the state. Source: CMS Marketplace plan and rate data. Most enrollees pay far less after subsidies.

Cite this data

This dataset is published under CC BY 4.0: journalists, researchers, and bloggers are free to reuse any figure on this page with attribution to PlanVoyager and a link to https://planvoyager.com/research/aca-marketplace-premiums-by-state. For custom cuts of the data (by county, age band, metal tier, or insurer), reach out via the About page.

See your real price after subsidy

These are pre-subsidy starting prices. Enter your ZIP, household, and income to see your actual premium after the premium tax credit.

Estimate my subsidy