{
 "name": "2026 US Individual Health Insurance Costs by State",
 "description": "Plan Year 2026 individual-market health insurance costs for 21 US states. Benchmark premium is the second-lowest-cost Silver plan for a 40-year-old, published on the same basis for every state. Median/cheapest Silver figures come from the CMS Landscape file and exist only for healthcare.gov states.",
 "publisher": "Plans By State (Health Advisory, NPN #22052447)",
 "license": "https://creativecommons.org/licenses/by/4.0/",
 "url": "https://www.plansbystate.com/data/",
 "date_published": "2026-07-31",
 "sources": [
  "CMS Plan Year 2026 Qualified Health Plan Landscape file",
  "State insurance department 2026 approved rate filings (CO, GA, IL, MD, NV, VA)",
  "KFF Marketplace Average Benchmark Premiums 2026"
 ],
 "notes": "All figures are full-price filed or approved rates before premium tax credits. Not a quote and not an offer of coverage.",
 "national_benchmark_age40_2026": 625,
 "row_count": 21,
 "states": [
  {
   "state": "Indiana",
   "state_code": "IN",
   "exchange": "healthcare.gov",
   "benchmark_premium_age40_2026": 474,
   "median_silver_age40": 558,
   "cheapest_silver_age40": 440,
   "most_expensive_silver_age40": 699,
   "cheapest_silver_age27": 361,
   "cheapest_silver_age60": 934,
   "carriers": 5,
   "counties": 92,
   "single_carrier_counties": 0,
   "plan_types": "EPO|HMO|POS"
  },
  {
   "state": "Ohio",
   "state_code": "OH",
   "exchange": "healthcare.gov",
   "benchmark_premium_age40_2026": 513,
   "median_silver_age40": 625,
   "cheapest_silver_age40": 482,
   "most_expensive_silver_age40": 924,
   "cheapest_silver_age27": 395,
   "cheapest_silver_age60": 1023,
   "carriers": 11,
   "counties": 88,
   "single_carrier_counties": 0,
   "plan_types": "HMO"
  },
  {
   "state": "South Carolina",
   "state_code": "SC",
   "exchange": "healthcare.gov",
   "benchmark_premium_age40_2026": 564,
   "median_silver_age40": 636,
   "cheapest_silver_age40": 456,
   "most_expensive_silver_age40": 931,
   "cheapest_silver_age27": 374,
   "cheapest_silver_age60": 968,
   "carriers": 6,
   "counties": 46,
   "single_carrier_counties": 0,
   "plan_types": "EPO|HMO|POS|PPO"
  },
  {
   "state": "Alabama",
   "state_code": "AL",
   "exchange": "healthcare.gov",
   "benchmark_premium_age40_2026": 645,
   "median_silver_age40": 680,
   "cheapest_silver_age40": 583,
   "most_expensive_silver_age40": 1124,
   "cheapest_silver_age27": 478,
   "cheapest_silver_age60": 1238,
   "carriers": 4,
   "counties": 67,
   "single_carrier_counties": 7,
   "plan_types": "EPO|PPO"
  },
  {
   "state": "Wisconsin",
   "state_code": "WI",
   "exchange": "healthcare.gov",
   "benchmark_premium_age40_2026": 611,
   "median_silver_age40": 687,
   "cheapest_silver_age40": 526,
   "most_expensive_silver_age40": 1062,
   "cheapest_silver_age27": 431,
   "cheapest_silver_age60": 1116,
   "carriers": 12,
   "counties": 72,
   "single_carrier_counties": 1,
   "plan_types": "EPO|HMO|POS|PPO"
  },
  {
   "state": "Michigan",
   "state_code": "MI",
   "exchange": "healthcare.gov",
   "benchmark_premium_age40_2026": 523,
   "median_silver_age40": 708,
   "cheapest_silver_age40": 385,
   "most_expensive_silver_age40": 1048,
   "cheapest_silver_age27": 316,
   "cheapest_silver_age60": 818,
   "carriers": 7,
   "counties": 83,
   "single_carrier_counties": 0,
   "plan_types": "EPO|HMO|PPO"
  },
  {
   "state": "South Dakota",
   "state_code": "SD",
   "exchange": "healthcare.gov",
   "benchmark_premium_age40_2026": 655,
   "median_silver_age40": 725,
   "cheapest_silver_age40": 512,
   "most_expensive_silver_age40": 882,
   "cheapest_silver_age27": 420,
   "cheapest_silver_age60": 1087,
   "carriers": 3,
   "counties": 66,
   "single_carrier_counties": 0,
   "plan_types": "EPO|HMO|PPO"
  },
  {
   "state": "Oklahoma",
   "state_code": "OK",
   "exchange": "healthcare.gov",
   "benchmark_premium_age40_2026": 604,
   "median_silver_age40": 731,
   "cheapest_silver_age40": 561,
   "most_expensive_silver_age40": 1300,
   "cheapest_silver_age27": 460,
   "cheapest_silver_age60": 1192,
   "carriers": 7,
   "counties": 77,
   "single_carrier_counties": 5,
   "plan_types": "HMO|PPO"
  },
  {
   "state": "Kansas",
   "state_code": "KS",
   "exchange": "healthcare.gov",
   "benchmark_premium_age40_2026": 670,
   "median_silver_age40": 765,
   "cheapest_silver_age40": 565,
   "most_expensive_silver_age40": 979,
   "cheapest_silver_age27": 463,
   "cheapest_silver_age60": 1200,
   "carriers": 6,
   "counties": 105,
   "single_carrier_counties": 14,
   "plan_types": "EPO"
  },
  {
   "state": "Florida",
   "state_code": "FL",
   "exchange": "healthcare.gov",
   "benchmark_premium_age40_2026": 683,
   "median_silver_age40": 789,
   "cheapest_silver_age40": 554,
   "most_expensive_silver_age40": 2203,
   "cheapest_silver_age27": 454,
   "cheapest_silver_age60": 1177,
   "carriers": 15,
   "counties": 67,
   "single_carrier_counties": 1,
   "plan_types": "EPO|HMO|POS|PPO"
  },
  {
   "state": "Utah",
   "state_code": "UT",
   "exchange": "healthcare.gov",
   "benchmark_premium_age40_2026": 640,
   "median_silver_age40": 805,
   "cheapest_silver_age40": 559,
   "most_expensive_silver_age40": 1125,
   "cheapest_silver_age27": 526,
   "cheapest_silver_age60": 1134,
   "carriers": 6,
   "counties": 29,
   "single_carrier_counties": 1,
   "plan_types": "EPO|HMO"
  },
  {
   "state": "Texas",
   "state_code": "TX",
   "exchange": "healthcare.gov",
   "benchmark_premium_age40_2026": 661,
   "median_silver_age40": 807,
   "cheapest_silver_age40": 540,
   "most_expensive_silver_age40": 1409,
   "cheapest_silver_age27": 443,
   "cheapest_silver_age60": 1146,
   "carriers": 15,
   "counties": 254,
   "single_carrier_counties": 7,
   "plan_types": "EPO|HMO|POS"
  },
  {
   "state": "North Carolina",
   "state_code": "NC",
   "exchange": "healthcare.gov",
   "benchmark_premium_age40_2026": 638,
   "median_silver_age40": 828,
   "cheapest_silver_age40": 540,
   "most_expensive_silver_age40": 1128,
   "cheapest_silver_age27": 443,
   "cheapest_silver_age60": 1147,
   "carriers": 6,
   "counties": 100,
   "single_carrier_counties": 0,
   "plan_types": "EPO|HMO|POS|PPO"
  },
  {
   "state": "Arkansas",
   "state_code": "AR",
   "exchange": "healthcare.gov",
   "benchmark_premium_age40_2026": 774,
   "median_silver_age40": 828,
   "cheapest_silver_age40": 753,
   "most_expensive_silver_age40": 879,
   "cheapest_silver_age27": 617,
   "cheapest_silver_age60": 1599,
   "carriers": 4,
   "counties": 75,
   "single_carrier_counties": 0,
   "plan_types": "POS|PPO"
  },
  {
   "state": "Nebraska",
   "state_code": "NE",
   "exchange": "healthcare.gov",
   "benchmark_premium_age40_2026": 710,
   "median_silver_age40": 875,
   "cheapest_silver_age40": 640,
   "most_expensive_silver_age40": 1460,
   "cheapest_silver_age27": 525,
   "cheapest_silver_age60": 1359,
   "carriers": 5,
   "counties": 93,
   "single_carrier_counties": 0,
   "plan_types": "EPO|PPO"
  },
  {
   "state": "Colorado",
   "state_code": "CO",
   "exchange": "Connect for Health Colorado",
   "benchmark_premium_age40_2026": 557,
   "median_silver_age40": null,
   "cheapest_silver_age40": null,
   "most_expensive_silver_age40": null,
   "cheapest_silver_age27": null,
   "cheapest_silver_age60": null,
   "carriers": 6,
   "counties": 64,
   "single_carrier_counties": null,
   "plan_types": null
  },
  {
   "state": "Georgia",
   "state_code": "GA",
   "exchange": "Georgia Access",
   "benchmark_premium_age40_2026": 615,
   "median_silver_age40": null,
   "cheapest_silver_age40": null,
   "most_expensive_silver_age40": null,
   "cheapest_silver_age27": null,
   "cheapest_silver_age60": null,
   "carriers": 8,
   "counties": 159,
   "single_carrier_counties": null,
   "plan_types": null
  },
  {
   "state": "Illinois",
   "state_code": "IL",
   "exchange": "Get Covered Illinois",
   "benchmark_premium_age40_2026": 646,
   "median_silver_age40": null,
   "cheapest_silver_age40": null,
   "most_expensive_silver_age40": null,
   "cheapest_silver_age27": null,
   "cheapest_silver_age60": null,
   "carriers": 6,
   "counties": 102,
   "single_carrier_counties": null,
   "plan_types": null
  },
  {
   "state": "Maryland",
   "state_code": "MD",
   "exchange": "Maryland Health Connection",
   "benchmark_premium_age40_2026": 414,
   "median_silver_age40": null,
   "cheapest_silver_age40": null,
   "most_expensive_silver_age40": null,
   "cheapest_silver_age27": null,
   "cheapest_silver_age60": null,
   "carriers": 7,
   "counties": 24,
   "single_carrier_counties": null,
   "plan_types": null
  },
  {
   "state": "Nevada",
   "state_code": "NV",
   "exchange": "Nevada Health Link",
   "benchmark_premium_age40_2026": 497,
   "median_silver_age40": null,
   "cheapest_silver_age40": null,
   "most_expensive_silver_age40": null,
   "cheapest_silver_age27": null,
   "cheapest_silver_age60": null,
   "carriers": 8,
   "counties": 17,
   "single_carrier_counties": null,
   "plan_types": null
  },
  {
   "state": "Virginia",
   "state_code": "VA",
   "exchange": "Virginia’s Insurance Marketplace",
   "benchmark_premium_age40_2026": 455,
   "median_silver_age40": null,
   "cheapest_silver_age40": null,
   "most_expensive_silver_age40": null,
   "cheapest_silver_age27": null,
   "cheapest_silver_age60": null,
   "carriers": 8,
   "counties": 133,
   "single_carrier_counties": null,
   "plan_types": null
  }
 ]
}