114 occupations · 17 states · CMS Plan Year 2026
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Your job does not change what an ACA plan costs — carriers cannot rate by occupation. It changes which plan design is the right bet, and it changes how much the state you live in costs you. These 114 occupation guides compare the 23 states covered here on the metric that actually matters for that kind of work.
Appliance Repair Technicians · Carpet Installers · Farmers and Ranchers · Handymen · Solar Installers
Carpenters · Electricians · Flooring Contractors · General Contractors · HVAC Contractors · Landscape Contractors · Painters · Personal Chefs · Plumbers · Roofers · Tattoo Artists · Welders · Auto Body Technicians · Auto Glass Technicians · Auto Mechanics · Car Wash Operators · Commercial Cleaners · Concrete Contractors · Drywall Contractors · Embroidery Operators · Fence Contractors · Insulation Contractors · Junk Removal Contractors · Land Clearing Contractors · Locksmiths · Paving Contractors · Pest Control Technicians · Residential Cleaners · Screen Printers · Tow Truck Operators · Tree Service Contractors · Window Installers
Audiologists · Dental Hygienists · Nurse Anesthetists · Nurse Midwives · Optometrists · Pharmacists · Physician Assistants · Podiatrists · Veterinarians
Barbers · Chiropractors · Dentists · Dietitians · Estheticians · Hair Stylists · Massage Therapists · Musicians · Nurse Practitioners · Occupational Therapists · Personal Trainers · Physical Therapists · Psychologists · Speech Therapists · Therapists · Counselors · Dermatologists · Dog Groomers · Dog Trainers · Nail Technicians · Orthodontists · Plastic Surgeons · Psychiatrists
Court Reporters · Interpreters and Translators
Accountants · Attorneys · Bookkeepers · Copywriters · Financial Advisors · Freelance Designers · Freelance Developers · Instagram Influencers · IT Consultants · Life Coaches · Marketing Consultants · Online Course Creators · Onlyfans Creators · Podcast Hosts · Social Media Managers · Tax Preparers · Tiktok Creators · Twitch Streamers · Ux Designers · Virtual Assistants · Youtube Creators · Credit Repair Specialists · Property Managers
Commercial Pilots · Insurance Adjusters · Land Surveyors · Real Estate Appraisers · Travel Nurses
Architects · Consultants · Engineers · Event Planners · Insurance Agents · Interior Designers · Mortgage Brokers · Photographers · Private Tutors · Real Estate Agents · Real Estate Investors · Truck Drivers · Videographers · Home Inspectors · Real Estate Brokers
Each occupation is assigned to one of four groups based on its real exposure profile, and that group decides which slice of the CMS data the page leads with — out-of-pocket maximum for injury-exposed trades, network breadth for patient-facing work, the age curve and deductible for desk work, and network geography for work that crosses county lines.
Put your ZIP code in and a licensed agent will show you the carriers filing in your county, what the cheapest plan costs, and what you would actually pay after any help you qualify for. No cost, and you talk to a licensed agent — not a call center.
32 further occupations are published with BLS wage data and 2027 subsidy-cliff comparison: see the trades index.
Two households in the same state can be quoted very different premiums for the same plan. Your ZIP is what decides it.
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