Benchmark $737/mo · ranked 17 of 23 · median wage $46,730
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The benchmark premium for a 40-year-old in Texas is $737 a month for 2027, ranking 17 of 23 states published here. BLS reports a median annual wage of $46,730 for Cement Masons and Concrete Finishers in Texas.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2027.
This occupation sits above the cliff in 1 of the 23 states reported and below it in the other 22, 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 Texas. 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 2027 the 400% FPL limit applies again, so household income above $63,840 ends premium tax credit eligibility outright.
Benchmark premium and median wage for this occupation, ranked by premium.
| # | State | Benchmark @40 | Median wage | vs cliff |
|---|---|---|---|---|
| 1 | Maryland | $491 | $49,390 | below |
| 2 | Indiana | $537 | $59,280 | below |
| 3 | Virginia | $549 | $48,510 | below |
| 4 | Nevada | $565 | $60,560 | below |
| 5 | Michigan | $595 | $59,170 | below |
| 6 | Ohio | $603 | $62,050 | below |
| 7 | Colorado | $615 | $60,710 | below |
| 8 | North Carolina | $660 | $47,370 | below |
| 9 | Oklahoma | $686 | $46,940 | below |
| 10 | South Carolina | $702 | $47,430 | below |
| 11 | South Dakota | $704 | $45,150 | below |
| 12 | Illinois | $707 | $77,450 | above |
| 13 | Alabama | $712 | $43,740 | below |
| 14 | Utah | $716 | $55,540 | below |
| 15 | Wisconsin | $720 | $63,490 | below |
| 16 | Georgia | $733 | $47,230 | below |
| 17 | Texas | $737 | $46,730 | below |
| 18 | Florida | $738 | $46,460 | below |
| 19 | Kansas | $748 | $50,640 | below |
| 20 | Arkansas | $757 | $46,020 | below |
| 21 | Nebraska | $780 | $48,070 | below |
| 22 | Tennessee | $796 | $46,460 | below |
| 23 | Mississippi | $814 | $44,460 | below |
This page compares states. For Texas 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
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.
Texas has 13 carriers selling 2027 plans over 254 counties, down from 15 in 2026. The list is set county by county, so start with the carriers in yours.
In the median Texas county the benchmark Silver plan for a 40-year-old is $812 a month for 2027, up 12.1% on 2026, before any tax credit.
Choose by December 15 and your plan starts January 1. HealthCare.gov stays open to January 15, but a plan picked after December 15 starts February 1.
No PPO is sold anywhere in Texas for 2027, so every plan limits care outside its network; check that your doctors are in it before you choose.
The 2027 plans are posted and the deadline for a January 1 start is December 15. Ten minutes with your ZIP code settles which plan still fits.
Enter a ZIP and a licensed agent will tell you three things:
There is no single Texas price. Enter your ZIP and a licensed agent will pull what is filed in your county, then work out what help you qualify for.
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