Health Insurance Costs by State: Real 2026 Marketplace Prices
In 2026, the median full price of a benchmark Silver marketplace plan is $587/month for a 40-year-old. After premium tax credits, a single person earning $35,000 pays a median of $218/month — the subsidy covers about $373/month. Prices below come from live marketplace quotes in each state's largest metro area, updated October 25, 2026.
Sticker prices vary enormously by state; what subsidized shoppers actually pay doesn't. Find your state below, or calculate your own subsidy for your exact ZIP code, age, and income.
| State | Full price (age 40) | You'd pay at $35k income | Monthly subsidy | Cheapest plan after credit |
|---|---|---|---|---|
| Alabama | $652/mo | $217/mo | −$435/mo | $6/mo (UnitedHealthcare) |
| Alaska | $1,025/mo | $163/mo | −$862/mo | $1/mo (Premera Blue Cross Blue Shield of Alaska) |
| Arizona | $484/mo | $217/mo | −$267/mo | $121/mo (Oscar Health Plan) |
| Arkansas | $774/mo | $217/mo | −$557/mo | $0/mo (Octave) |
| California | $459/mo | $217/mo | −$242/mo | $125/mo (LA Care) |
| Colorado | $509/mo | $139/mo | −$370/mo | $32/mo (SelectHealth) |
| Connecticut | $799/mo | $219/mo | −$580/mo | $2/mo (Anthem Health Plans Inc(Anthem BCBS)) |
| Delaware | $692/mo | $218/mo | −$474/mo | $68/mo (AmeriHealth Caritas Next) |
| District of Columbia | $610/mo | $218/mo | −$392/mo | $113/mo (CareFirst BlueChoice, Inc.) |
| Florida | $680/mo | $217/mo | −$463/mo | $38/mo (Oscar Health Maintenance Organization of Florida, Inc) |
| Georgia | $629/mo | $219/mo | −$410/mo | $98/mo (Anthem Blue Cross and Blue Shield) |
| Idaho | $488/mo | $217/mo | −$271/mo | $60/mo (Moda Health) |
| Illinois | $505/mo | $219/mo | −$286/mo | $87/mo (Oscar Health Plan, Inc.) |
| Kansas | $703/mo | $224/mo | −$479/mo | $79/mo (Ambetter from Sunflower Health Plan) |
| Kentucky | $556/mo | $218/mo | −$338/mo | $113/mo (Anthem BlueCross) |
| Louisiana | $590/mo | $225/mo | −$365/mo | $40/mo (HMO Louisiana) |
| Maine | $675/mo | $218/mo | −$457/mo | $42/mo (Anthem Blue Cross and Blue Shield) |
| Maryland | $414/mo | $219/mo | −$195/mo | $88/mo (Optimum Choice, Inc.) |
| Massachusetts | $498/mo | $124/mo | −$375/mo | $103/mo (WellSense Health Plan) |
| Michigan | $508/mo | $218/mo | −$290/mo | $59/mo (Blue Care Network of Michigan) |
| Nevada | $470/mo | $218/mo | −$252/mo | $125/mo (Imperial Insurance Companies, Inc.) |
| North Carolina | $583/mo | $218/mo | −$365/mo | $82/mo (Blue Cross and Blue Shield of NC) |
What would you actually pay?
These are benchmark prices for one profile. Your age, ZIP code, household, and income all change the number — usually in your favor.
Methodology
Prices are quoted live from ACA marketplace data through HealthSherpa, a licensed enrollment partner, for a single non-smoking adult earning $35,000 a year in each state's largest metro area. “Full price” is the benchmark (second-lowest-cost) Silver plan before any tax credit. “You'd pay” applies the premium tax credit the marketplace calculates for that income. Each state is re-quoted on a rolling basis, so figures reflect current rates rather than a one-time annual snapshot. Prices in other parts of a state, at other ages, or at other incomes will differ.
Related reading: How much is health insurance?, 2026 subsidy income limits, Cheapest health insurance by state.