{
 "name": "2026 ACA Benchmark Premiums, All 51 US Jurisdictions",
 "version": "1.0",
 "last_updated": "2026-08-02",
 "description": "The 2026 benchmark premium \u2014 second-lowest-cost Silver plan for a 40-year-old, weighted by county plan selections \u2014 for all 50 states and the District of Columbia. Full price before premium tax credits.",
 "publisher": "Plans By State (Health Advisory, NPN #22052447)",
 "license": "https://creativecommons.org/licenses/by/4.0/",
 "source": "KFF, Marketplace Average Benchmark Premiums, 2026",
 "url": "https://www.plansbystate.com/rankings/cheapest-states-2026.html",
 "national_benchmark": 625,
 "cheapest": {
  "rank": 1,
  "state": "New Hampshire",
  "state_code": "NH",
  "benchmark_premium_age40_2026": 401,
  "vs_national_pct": -35.8,
  "benchmark_premium_age40_2025": null
 },
 "most_expensive": {
  "rank": 51,
  "state": "Vermont",
  "state_code": "VT",
  "benchmark_premium_age40_2026": 1299,
  "vs_national_pct": 107.8,
  "benchmark_premium_age40_2025": null
 },
 "row_count": 51,
 "jurisdictions": [
  {
   "rank": 1,
   "state": "New Hampshire",
   "state_code": "NH",
   "benchmark_premium_age40_2026": 401,
   "vs_national_pct": -35.8,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 2,
   "state": "Maryland",
   "state_code": "MD",
   "benchmark_premium_age40_2026": 414,
   "vs_national_pct": -33.8,
   "benchmark_premium_age40_2025": 365
  },
  {
   "rank": 3,
   "state": "Minnesota",
   "state_code": "MN",
   "benchmark_premium_age40_2026": 448,
   "vs_national_pct": -28.3,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 4,
   "state": "Virginia",
   "state_code": "VA",
   "benchmark_premium_age40_2026": 455,
   "vs_national_pct": -27.2,
   "benchmark_premium_age40_2025": 372
  },
  {
   "rank": 5,
   "state": "Indiana",
   "state_code": "IN",
   "benchmark_premium_age40_2026": 474,
   "vs_national_pct": -24.2,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 6,
   "state": "Idaho",
   "state_code": "ID",
   "benchmark_premium_age40_2026": 490,
   "vs_national_pct": -21.6,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 7,
   "state": "Massachusetts",
   "state_code": "MA",
   "benchmark_premium_age40_2026": 494,
   "vs_national_pct": -21.0,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 8,
   "state": "Nevada",
   "state_code": "NV",
   "benchmark_premium_age40_2026": 497,
   "vs_national_pct": -20.5,
   "benchmark_premium_age40_2025": 414
  },
  {
   "rank": 9,
   "state": "Iowa",
   "state_code": "IA",
   "benchmark_premium_age40_2026": 501,
   "vs_national_pct": -19.8,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 10,
   "state": "Rhode Island",
   "state_code": "RI",
   "benchmark_premium_age40_2026": 506,
   "vs_national_pct": -19.0,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 11,
   "state": "Ohio",
   "state_code": "OH",
   "benchmark_premium_age40_2026": 513,
   "vs_national_pct": -17.9,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 12,
   "state": "Michigan",
   "state_code": "MI",
   "benchmark_premium_age40_2026": 523,
   "vs_national_pct": -16.3,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 13,
   "state": "Arizona",
   "state_code": "AZ",
   "benchmark_premium_age40_2026": 532,
   "vs_national_pct": -14.9,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 14,
   "state": "Hawaii",
   "state_code": "HI",
   "benchmark_premium_age40_2026": 541,
   "vs_national_pct": -13.4,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 15,
   "state": "Oregon",
   "state_code": "OR",
   "benchmark_premium_age40_2026": 543,
   "vs_national_pct": -13.1,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 16,
   "state": "New Jersey",
   "state_code": "NJ",
   "benchmark_premium_age40_2026": 545,
   "vs_national_pct": -12.8,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 17,
   "state": "Colorado",
   "state_code": "CO",
   "benchmark_premium_age40_2026": 557,
   "vs_national_pct": -10.9,
   "benchmark_premium_age40_2025": 463
  },
  {
   "rank": 18,
   "state": "South Carolina",
   "state_code": "SC",
   "benchmark_premium_age40_2026": 564,
   "vs_national_pct": -9.8,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 19,
   "state": "California",
   "state_code": "CA",
   "benchmark_premium_age40_2026": 570,
   "vs_national_pct": -8.8,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 20,
   "state": "North Dakota",
   "state_code": "ND",
   "benchmark_premium_age40_2026": 570,
   "vs_national_pct": -8.8,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 21,
   "state": "Pennsylvania",
   "state_code": "PA",
   "benchmark_premium_age40_2026": 572,
   "vs_national_pct": -8.5,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 22,
   "state": "Kentucky",
   "state_code": "KY",
   "benchmark_premium_age40_2026": 590,
   "vs_national_pct": -5.6,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 23,
   "state": "Oklahoma",
   "state_code": "OK",
   "benchmark_premium_age40_2026": 604,
   "vs_national_pct": -3.4,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 24,
   "state": "Missouri",
   "state_code": "MO",
   "benchmark_premium_age40_2026": 605,
   "vs_national_pct": -3.2,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 25,
   "state": "District of Columbia",
   "state_code": "DC",
   "benchmark_premium_age40_2026": 610,
   "vs_national_pct": -2.4,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 26,
   "state": "Wisconsin",
   "state_code": "WI",
   "benchmark_premium_age40_2026": 611,
   "vs_national_pct": -2.2,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 27,
   "state": "Washington",
   "state_code": "WA",
   "benchmark_premium_age40_2026": 612,
   "vs_national_pct": -2.1,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 28,
   "state": "Georgia",
   "state_code": "GA",
   "benchmark_premium_age40_2026": 615,
   "vs_national_pct": -1.6,
   "benchmark_premium_age40_2025": 493
  },
  {
   "rank": 29,
   "state": "New Mexico",
   "state_code": "NM",
   "benchmark_premium_age40_2026": 623,
   "vs_national_pct": -0.3,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 30,
   "state": "North Carolina",
   "state_code": "NC",
   "benchmark_premium_age40_2026": 638,
   "vs_national_pct": 2.1,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 31,
   "state": "Utah",
   "state_code": "UT",
   "benchmark_premium_age40_2026": 640,
   "vs_national_pct": 2.4,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 32,
   "state": "Alabama",
   "state_code": "AL",
   "benchmark_premium_age40_2026": 645,
   "vs_national_pct": 3.2,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 33,
   "state": "Illinois",
   "state_code": "IL",
   "benchmark_premium_age40_2026": 646,
   "vs_national_pct": 3.4,
   "benchmark_premium_age40_2025": 474
  },
  {
   "rank": 34,
   "state": "Louisiana",
   "state_code": "LA",
   "benchmark_premium_age40_2026": 646,
   "vs_national_pct": 3.4,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 35,
   "state": "South Dakota",
   "state_code": "SD",
   "benchmark_premium_age40_2026": 655,
   "vs_national_pct": 4.8,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 36,
   "state": "Texas",
   "state_code": "TX",
   "benchmark_premium_age40_2026": 661,
   "vs_national_pct": 5.8,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 37,
   "state": "Mississippi",
   "state_code": "MS",
   "benchmark_premium_age40_2026": 662,
   "vs_national_pct": 5.9,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 38,
   "state": "Kansas",
   "state_code": "KS",
   "benchmark_premium_age40_2026": 670,
   "vs_national_pct": 7.2,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 39,
   "state": "Florida",
   "state_code": "FL",
   "benchmark_premium_age40_2026": 683,
   "vs_national_pct": 9.3,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 40,
   "state": "Delaware",
   "state_code": "DE",
   "benchmark_premium_age40_2026": 691,
   "vs_national_pct": 10.6,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 41,
   "state": "Montana",
   "state_code": "MT",
   "benchmark_premium_age40_2026": 692,
   "vs_national_pct": 10.7,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 42,
   "state": "Maine",
   "state_code": "ME",
   "benchmark_premium_age40_2026": 709,
   "vs_national_pct": 13.4,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 43,
   "state": "Nebraska",
   "state_code": "NE",
   "benchmark_premium_age40_2026": 710,
   "vs_national_pct": 13.6,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 44,
   "state": "Tennessee",
   "state_code": "TN",
   "benchmark_premium_age40_2026": 711,
   "vs_national_pct": 13.8,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 45,
   "state": "Arkansas",
   "state_code": "AR",
   "benchmark_premium_age40_2026": 774,
   "vs_national_pct": 23.8,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 46,
   "state": "New York",
   "state_code": "NY",
   "benchmark_premium_age40_2026": 817,
   "vs_national_pct": 30.7,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 47,
   "state": "Connecticut",
   "state_code": "CT",
   "benchmark_premium_age40_2026": 870,
   "vs_national_pct": 39.2,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 48,
   "state": "Alaska",
   "state_code": "AK",
   "benchmark_premium_age40_2026": 1032,
   "vs_national_pct": 65.1,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 49,
   "state": "West Virginia",
   "state_code": "WV",
   "benchmark_premium_age40_2026": 1073,
   "vs_national_pct": 71.7,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 50,
   "state": "Wyoming",
   "state_code": "WY",
   "benchmark_premium_age40_2026": 1090,
   "vs_national_pct": 74.4,
   "benchmark_premium_age40_2025": null
  },
  {
   "rank": 51,
   "state": "Vermont",
   "state_code": "VT",
   "benchmark_premium_age40_2026": 1299,
   "vs_national_pct": 107.8,
   "benchmark_premium_age40_2025": null
  }
 ]
}