67 occupations · 15 states · CMS Plan Year 2026
Licensed Independent Agent · NPN #22052447 · 21 States
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 67 occupation guides rank all 15 states on the metric that actually matters for that kind of work.
Injury exposure means the number that matters is the out-of-pocket maximum, not the premium. A single ER visit and follow-up can hit that ceiling in one month, so these pages rank states by worst-case annual exposure rather than by monthly cost.
Carpenters · Electricians · Flooring Contractors · General Contractors · HVAC Contractors · Landscape Contractors · Painters · Personal Chefs · Plumbers · Roofers · Tattoo Artists · Welders
Patient-facing and standing work means steady, predictable utilization — regular visits, prescriptions, physical therapy. Copay structure and network breadth drive real annual cost more than the headline premium, so these pages rank states on median premium and carrier count together.
Barbers · Chiropractors · Dentists · Dietitians · Estheticians · Hair Stylists · Massage Therapists · Musicians · Nurse Practitioners · Nutritionists · Occupational Therapists · Personal Trainers · Physical Therapists · Pilates Instructors · Psychologists · Speech Therapists · Therapists · Yoga Instructors
Desk-based work usually means low claim volume and a younger buyer, which makes a high-deductible plan paired with an HSA the mathematically better bet in most years. These pages rank states by what a healthy buyer actually pays at ages 27 and 40.
Accountants · Attorneys · Bookkeepers · Content Creators · 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
Work that crosses county and state lines makes network geography the binding constraint. A cheap HMO that only contracts in one metro is worthless 200 miles away, so these pages rank states by network reach and flag the ones with no PPO on the exchange at all.
Architects · Consultants · Engineers · Event Planners · Insurance Agents · Interior Designers · Mortgage Brokers · Photographers · Private Tutors · Real Estate Agents · Real Estate Investors · Realtors · Truck Drivers · Videographers · Wedding Planners
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 I 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 me — not a call center.