Concrete Contractors Health Insurance in Florida (2026)

Wage benchmark and the 2026 subsidy cliff

$46,460median annual wage, Concrete Contractors in Florida

297%of the federal poverty level

$62,6002026 subsidy cliff, single-person household

Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.

This occupation sits above the cliff in 2 of the 21 states reported and below it in the other 19, so the answer changes with the state.

What this figure is. It is the median annual wage BLS reports for Cement Masons and Concrete Finishers (SOC 47-2051) in Florida. BLS surveys wage and salary workers and excludes the self-employed, so it is a benchmark for the occupation in this state — not the income of a self-employed concrete contractor. Premium tax credit eligibility is set by household modified adjusted gross income and household size, not by occupation, so treat this as a reference point rather than a determination of what you qualify for.

Why the cliff is back. The enhanced premium tax credits expired on 31 December 2025. For plan year 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.

Sources

U.S. Bureau of Labor Statistics. Occupational Employment and Wage Statistics, May 2024. State-level annual median wage (A_MEDIAN), detailed occupation. https://www.bls.gov/oes/. Retrieved 2026-08-03. Figures used unmodified; suppressed cells are omitted, not estimated.
U.S. Department of Health and Human Services. Annual Update of the HHS Poverty Guidelines. 90 FR 5917, 17 January 2025. https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Retrieved 2026-08-03. The 2025 guidelines govern premium tax credit eligibility for plan year 2026 coverage. The 2026 guidelines apply to 2027 coverage.
Full dataset for all occupations and states: CSV · JSON (CC BY 4.0).

All 21 states

Benchmark premium and median wage for this occupation, ranked by premium.

#	State	Benchmark @40	Median wage	vs cliff
1	Maryland	$414	$49,390	below
2	Virginia	$455	$48,510	below
3	Indiana	$474	$59,280	below
4	Nevada	$497	$60,560	below
5	Ohio	$513	$62,050	below
6	Michigan	$523	$59,170	below
7	Colorado	$557	$60,710	below
8	South Carolina	$564	$47,430	below
9	Oklahoma	$604	$46,940	below
10	Wisconsin	$611	$63,490	above
11	Georgia	$615	$47,230	below
12	North Carolina	$638	$47,370	below
13	Utah	$640	$55,540	below
14	Alabama	$645	$43,740	below
15	Illinois	$646	$77,450	above
16	South Dakota	$655	$45,150	below
17	Texas	$661	$46,730	below
18	Kansas	$670	$50,640	below
19	Florida	$683	$46,460	below
20	Nebraska	$710	$48,070	below
21	Arkansas	$774	$46,020	below

Questions

Does being a concrete contractor change what health insurance costs in Florida?

No. Under the ACA carriers may not rate, decline, or exclude based on occupation or health history. Premiums vary only by age, ZIP code, tobacco use and household size, so the benchmark of $683 a month applies regardless of trade.

Do concrete contractors qualify for a subsidy in Florida in 2026?

Premium tax credit eligibility depends on household modified adjusted gross income and household size, not occupation. For reference, the BLS median wage for Cement Masons and Concrete Finishers in Florida is $46,460, which is below the 2026 cliff of $62,600 for a single-person household. Your own income and household size decide the answer.

What is the benchmark premium in Florida for 2026?

$683 a month for a 40-year-old, ranking 19 of 21 states published here. That is full price before any premium tax credit.

Where do these numbers come from?

Premiums come from the CMS Plan Year 2026 Qualified Health Plan Landscape file and published state rate approvals. Wages come from the U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024. Both are reproduced unmodified; the full wage dataset is downloadable as CSV or JSON.

Going deeper on Florida

This page compares states. For Florida specifically — county-by-county carriers, plan data and enrollment help — that is published on Coverage by County. To check whether a plan actually covers your hospital, see Plans By City.

← Concrete Contractors in all states · All trades · All occupations

How Florida compares with every other state →

Want this worked out for your ZIP?

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.

See what it costs where you live →

Looking ahead to 2027 as a concrete contractor in Florida

Florida loses a carrier this cycle: Cigna is out of the ACA individual market from January 1, 2027, leaving 14 filing here. For Concrete Contractors that is a forced decision, and a better one made in November than in January.

Rate filings for 2027 point to roughly a 15% median increase nationally, from −1% at one end to 54% at the other. Florida has not finalised, so treat exact local 2027 pricing as unavailable rather than unknown.

The window opens November 1, 2026, and December 15 is the date worth writing down — it is what secures January 1 cover in Florida and everywhere else. You will find later dates quoted; they stem from a 2025 rule that was vacated in June 2026 and is under appeal.

In your favour: PPOs are sold in all 67 Florida counties. That is the type most likely to pay toward out-of-network care, and worth defending at renewal if your work as a concrete contractor takes you around.

Get a head start on 2027

You already know you are changing plans — Cigna is leaving. The only real question is whether you pick the replacement or the marketplace picks it for you, and that is a much easier decision made in August than in the second week of December.

Give me a ZIP and I will tell you three things:

Whether your current plan and carrier are still writing in your county for 2027
What your income estimate should realistically be — the number your credit is calculated from, and the one concrete contractors most often get wrong
Whether the doctors you actually use are in the 2027 network, before you are locked in

Map my 2027 options →

See what you would really pay as one of Florida’s Concrete Contractors

Two Concrete Contractors on opposite sides of Florida can be quoted very different premiums for the same plan. Your ZIP is what decides it.

One field. No account, no phone call unless you ask for one.