Health insurance 2026
Health insurance cost by state
Moving without employer coverage? Marketplace prices vary more than twofold between states. Here's every state for 2026, before subsidies.
| State | Benchmark, age 40 | Bronze, age 40 | Benchmark, age 60 | Change vs 2025 |
|---|---|---|---|---|
| New Hampshire | $401 | $318 | $852 | 23% |
| Maryland | $414 | $283 | $879 | 13% |
| Minnesota | $448 | $384 | $952 | 23% |
| Virginia | $455 | $351 | $966 | 22% |
| Indiana | $474 | $405 | $1,007 | 24% |
| Idaho | $490 | $346 | $1,041 | 12% |
| Massachusetts | $494 | $393 | $839 | 11% |
| Nevada | $497 | $396 | $1,056 | 20% |
| Iowa | $501 | $359 | $1,064 | 17% |
| Rhode Island | $506 | $367 | $1,075 | 19% |
| Ohio | $513 | $400 | $1,090 | 16% |
| Michigan | $523 | $384 | $1,111 | 29% |
| Arizona | $532 | $430 | $1,130 | 30% |
| Hawaii | $541 | $414 | $1,149 | 10% |
| Oregon | $543 | $453 | $1,153 | 6% |
| New Jersey | $545 | $451 | $1,158 | 11% |
| Colorado | $557 | $422 | $1,183 | 20% |
| South Carolina | $564 | $410 | $1,198 | 20% |
| California | $570 | $440 | $1,211 | 11% |
| North Dakota | $570 | $398 | $1,211 | 6% |
| Pennsylvania | $572 | $364 | $1,215 | 24% |
| Kentucky | $590 | $481 | $1,253 | 33% |
| Oklahoma | $604 | $462 | $1,283 | 21% |
| Missouri | $605 | $465 | $1,285 | 24% |
| Washington, DC | $610 | $505 | $1,313 | 6% |
| Wisconsin | $611 | $443 | $1,298 | 23% |
| Washington | $612 | $364 | $1,300 | 41% |
| Georgia | $615 | $485 | $1,306 | 25% |
| New Mexico | $623 | $473 | $1,323 | 21% |
| North Carolina | $638 | $489 | $1,355 | 26% |
| Utah | $640 | $510 | $1,298 | 17% |
| Alabama | $645 | $433 | $1,370 | 21% |
| Illinois | $646 | $436 | $1,372 | 36% |
| Louisiana | $646 | $447 | $1,372 | 23% |
| South Dakota | $655 | $484 | $1,391 | 6% |
| Texas | $661 | $426 | $1,404 | 35% |
| Mississippi | $662 | $589 | $1,406 | 36% |
| Kansas | $670 | $508 | $1,423 | 31% |
| Florida | $683 | $505 | $1,451 | 33% |
| Delaware | $691 | $542 | $1,468 | 29% |
| Montana | $692 | $455 | $1,470 | 25% |
| Maine | $709 | $525 | $1,506 | 30% |
| Nebraska | $710 | $545 | $1,508 | 18% |
| Tennessee | $711 | $508 | $1,510 | 38% |
| Arkansas | $774 | $447 | $1,644 | 69% |
| New York | $817 | $610 | $817 | 3% |
| Connecticut | $870 | $623 | $1,848 | 26% |
| Alaska | $1,032 | $669 | $2,192 | -1% |
| West Virginia | $1,073 | $775 | $2,279 | 17% |
| Wyoming | $1,090 | $785 | $2,315 | 25% |
| Vermont | $1,299 | $824 | $1,299 | 2% |
Monthly premiums before subsidies, enrollment-weighted county averages. Age 60 uses the federal default age curve, except in Massachusetts, Utah and Washington, DC, which set their own (Massachusetts limits age rating to 2:1). New York and Vermont don't rate by age.
Frequently asked questions
Which state has the cheapest health insurance in 2026?
New Hampshire, with an average benchmark silver premium of $401 a month for a 40-year-old, before subsidies.
Which state has the most expensive health insurance?
Vermont, at $1,299 a month for a 40-year-old benchmark plan.
How much did Marketplace premiums rise for 2026?
The national average benchmark premium for a 40-year-old rose from $497 to $625 a month.