Data study

2026 ACA Marketplace Premiums by State

We analyzed 4,845 2026 ACA Marketplace plans across 38 states to find the lowest monthly premium, the number of plans, and the number of insurers in each. The lowest-cost plans start at $185/mo in New York and $740/mo in Wyoming for a 40-year-old before any subsidy.

Most affordable state

New York

from $185/mo

Least affordable state

Wyoming

from $740/mo

Most plan choices

Texas

834 plans

Plans analyzed

4,845

across 38 states

Key findings

Across the 38 states analyzed, 4,845 ACA Marketplace health insurance plans are offered by 152 insurance companies for 2026.
The average lowest-cost Silver plan premium for a 40-year-old is $587 per month before subsidies.
Michigan has the lowest starting Silver premium at $385 per month, while Vermont has the highest at $1,289 — a 235% spread between states.
Texas offers the most plan choices, with 834 Marketplace plans from 15 insurers.

Lowest 2026 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	New York	334	12	$185	$582	$1,067	Ambetter from Fidelis Care Catastrophic, Catastrophic, ST, INN, Fidelis Care HBX Network, Free Telemedicine Prgroam, Pediatric Dental
2	Maryland	47	6	$189	$403	$455	BlueChoice HMO Young Adult 10600 Virtual Connect Plus
3	New Hampshire	46	4	$278	$388	$450	Anthem Catastrophic Pathway X Enhanced
4	Florida	410	15	$282	$554	$695	Catastrophic 1746 (Primary Care Copay Visits 1-3, Open Access)
5	South Dakota	67	3	$291	$512	$692	Sanford Individual TRUE $10,600
6	North Dakota	59	3	$296	$439	$604	Sanford Individual TRUE $10,600
7	Hawaii	17	2	$297	$533	$551	HMSA Catastrophic Plan
8	Oklahoma	186	7	$299	$561	$709	CommunityCare Catastrophic
9	Iowa	121	6	$300	$452	$568	Secure \| MercyOne
10	Montana	90	3	$312	$551	$736	Peak PPO Catastrophic
11	Illinois	285	7	$315	$497	$715	Secure (Choice)
12	Connecticut	22	3	$317	$677	$799	Choice Catastrophic POS with Dental and Vision
13	Texas	834	15	$320	$540	$749	CHRISTUS Catastrophic (3 Free PCP visits)
14	South Carolina	125	6	$336	$456	$550	Blue Pee Dee Bronze 2
15	New Jersey	39	5	$341	$538	$637	Secure
16	Michigan	116	7	$345	$385	$612	Blue Cross® Local HMO Bronze Secure
17	Arizona	199	7	$352	$438	$599	Catastrophic Standard
18	Wisconsin	311	12	$353	$526	$634	Dean Focus Bronze Share
19	Arkansas	52	4	$356	$753	$828	Catastrophic HSA
20	Ohio	189	11	$356	$482	$551	Bronze Classic Standard
21	Missouri	117	7	$365	$523	$629	Anthem Catastrophic Pathway (+ Incentives)
22	Alabama	54	4	$366	$583	$634	UHC Bronze Essential (No Referrals)
23	Rhode Island	21	2	$367	$488	$552	NHP Select 7100/14200 HSA
24	Indiana	80	5	$373	$440	$546	Anthem Catastrophic Essential (+ Incentives)
25	New Mexico	25	4	$390	$524	$667	Blue Community Bronze HMO℠ 603
26	Vermont	28	2	$400	$1,289	$1,428	[MVP Secure]
27	Louisiana	100	6	$402	$542	$682	CHRISTUS Value Bronze
28	North Carolina	206	6	$420	$540	$675	Everyday Bronze with Atrium Health
29	Oregon	59	6	$426	$505	$551	Connect 9800 Bronze
30	Kansas	64	6	$442	$565	$675	UHC Bronze Essential (No Referrals)
31	Tennessee	158	6	$466	$646	$718	BlueCross B15E $0 virtual care from Teladoc Health®
32	Delaware	40	3	$468	$685	$763	my Blue Access Major Events Select PPO Catastrophic 10600 - 3 Free PCP Visits
33	Utah	57	6	$472	$559	$682	Value Expanded Bronze 6900 Medical Deductible
34	Nebraska	164	5	$494	$640	$816	HeartlandBlue Bronze 6000 Blueprint Health w/ Adult Vision
35	West Virginia	37	2	$529	$911	$955	my Blue Access WV Major Events PPO Catastrophic 10600 - 3 Free PCP Visits
36	Mississippi	48	5	$563	$598	$667	UHC Bronze Essential (No Referrals)
37	Alaska	15	2	$648	$984	$1,007	Moda Select Alaska Standard Bronze
38	Wyoming	23	2	$740	$1,026	$1,033	BlueSelect Bronze Basic

Methodology

Figures cover on-exchange individual medical plans for the 2026 plan year in the 38 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.

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