Cheapest and most expensive states for health insurance (2026)
The typical marketplace Silver plan for one 40-year-old before tax credits ranges from $448 a month in Maryland to $1,428 in Vermont.
Lowest typical Silver
- Maryland: typical Silver $448/mo
- New Hampshire: typical Silver $450/mo
- Virginia: typical Silver $505/mo
- Idaho: typical Silver $542/mo
- Minnesota: typical Silver $550/mo
Highest typical Silver
- Vermont: typical Silver $1,428/mo
- Wyoming: typical Silver $1,108/mo
- West Virginia: typical Silver $1,100/mo
- New York: typical Silver $1,097/mo
- Alaska: typical Silver $1,039/mo
All states, ranked
| Rank | State | Typical Silver | Typical Bronze | Cheapest Bronze | Insurers | Plans |
|---|---|---|---|---|---|---|
| 1 | Maryland | $448 | $334 | $283 | 4 | 47 |
| 2 | New Hampshire | $450 | $375 | $317 | 4 | 46 |
| 3 | Virginia | $505 | $398 | $339 | 7 | 83 |
| 4 | Idaho | $542 | $397 | $331 | 8 | 158 |
| 5 | Minnesota | $550 | $463 | $340 | 5 | 243 |
| 6 | Hawaii | $551 | $472 | $414 | 2 | 17 |
| 7 | Rhode Island | $552 | $474 | $367 | 2 | 21 |
| 8 | Iowa | $559 | $420 | $338 | 6 | 121 |
| 9 | Indiana | $566 | $448 | $376 | 5 | 80 |
| 10 | Arizona | $594 | $507 | $375 | 7 | 199 |
| 11 | Colorado | $614 | $486 | $390 | 6 | 152 |
| 12 | Ohio | $617 | $486 | $356 | 10 | 189 |
| 13 | Oregon | $623 | $519 | $426 | 6 | 59 |
| 14 | District of Columbia | $627 | $545 | $505 | 2 | 27 |
| 15 | North Dakota | $628 | $434 | $332 | 3 | 59 |
| 16 | South Carolina | $636 | $486 | $336 | 6 | 125 |
| 17 | New Jersey | $637 | $541 | $451 | 5 | 39 |
| 18 | California | $650 | $558 | $347 | 11 | 190 |
| 19 | Illinois | $665 | $466 | $329 | 7 | 285 |
| 20 | Kentucky | $666 | $566 | $435 | 3 | 85 |
| 21 | Wisconsin | $679 | $536 | $353 | 12 | 311 |
| 22 | Oklahoma | $684 | $529 | $403 | 7 | 186 |
| 23 | Michigan | $685 | $488 | $345 | 6 | 116 |
| 24 | Alabama | $688 | $509 | $366 | 4 | 54 |
| 25 | Georgia | $692 | $552 | $371 | 8 | 211 |
| 26 | Nevada | $694 | $549 | $377 | 8 | 138 |
| 27 | South Dakota | $703 | $539 | $406 | 3 | 67 |
| 28 | Mississippi | $705 | $634 | $563 | 5 | 48 |
| 29 | Pennsylvania | $718 | $510 | $297 | 8 | 320 |
| 30 | Missouri | $719 | $558 | $405 | 7 | 117 |
| 31 | Utah | $732 | $570 | $472 | 6 | 57 |
| 32 | New Mexico | $734 | $540 | $390 | 4 | 25 |
| 33 | Kansas | $743 | $586 | $442 | 6 | 64 |
| 34 | Montana | $747 | $530 | $354 | 3 | 90 |
| 35 | Massachusetts | $749 | $626 | $379 | 7 | 48 |
| 36 | North Carolina | $758 | $597 | $420 | 6 | 206 |
| 37 | Washington | $762 | $520 | $335 | 10 | 86 |
| 38 | Texas | $762 | $496 | $352 | 15 | 834 |
| 39 | Delaware | $762 | $582 | $542 | 3 | 40 |
| 40 | Maine | $770 | $616 | $499 | 4 | 69 |
| 41 | Louisiana | $771 | $538 | $402 | 5 | 100 |
| 42 | Tennessee | $771 | $586 | $466 | 6 | 158 |
| 43 | Florida | $789 | $657 | $427 | 13 | 410 |
| 44 | Arkansas | $828 | $514 | $447 | 3 | 52 |
| 45 | Nebraska | $862 | $669 | $494 | 5 | 164 |
| 46 | Connecticut | $864 | $664 | $557 | 3 | 22 |
| 47 | Alaska | $1,039 | $713 | $648 | 2 | 15 |
| 48 | New YorkSame price at every adult age | $1,097 | $822 | $434 | 12 | 264 |
| 49 | West Virginia | $1,100 | $816 | $682 | 2 | 37 |
| 50 | Wyoming | $1,108 | $877 | $740 | 2 | 23 |
| 51 | VermontSame price at every adult age | $1,428 | $898 | $824 | 2 | 28 |
Typical = median monthly premium across the state's plans and rating areas, one 40-year-old, before tax credits (CMS public use files (plan year prices), as processed on our methodology page). Prices within a state vary by county; open a state to see them.
Frequently asked questions
Which state has the cheapest health insurance in 2026?
Maryland, where the typical (median) Silver plan is $448 a month for one 40-year-old before tax credits. Next are New Hampshire ($450), Virginia ($505), Idaho ($542).
Which state has the most expensive health insurance in 2026?
Vermont, where the typical Silver plan is $1,428 a month before tax credits, followed by Wyoming ($1,108), West Virginia ($1,100), New York ($1,097).
Does a higher list price mean I pay more?
Not necessarily. Premium tax credits are based on your income and the cost of a benchmark Silver plan where you live, so in high-price areas the credit is often larger. Check your own price, after tax credits, on HealthCare.gov or your state's marketplace.