SOC 47-4011 · $52,970 to $78,940 · 21 states
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Licensed Independent Agent · NPN #22052447 · 23 States
BLS reports a median annual wage for Construction and Building Inspectors (SOC 47-4011) in 21 of the 21 states published here, ranging from $52,970 to $78,940. The 2026 premium tax credit cliff for a single-person household is $62,600; this occupation is above it in 15 of those states.
| # | State | Benchmark @40 | Median wage | vs cliff |
|---|---|---|---|---|
| 1 | Maryland | $414 | $71,990 | above |
| 2 | Virginia | $455 | $69,960 | above |
| 3 | Indiana | $474 | $63,750 | above |
| 4 | Nevada | $497 | $76,560 | above |
| 5 | Ohio | $513 | $70,890 | above |
| 6 | Michigan | $523 | $69,890 | above |
| 7 | Colorado | $557 | $78,940 | above |
| 8 | South Carolina | $564 | $60,050 | below |
| 9 | Oklahoma | $604 | $58,810 | below |
| 10 | Wisconsin | $611 | $70,700 | above |
| 11 | Georgia | $615 | $64,290 | above |
| 12 | North Carolina | $638 | $65,830 | above |
| 13 | Utah | $640 | $71,040 | above |
| 14 | Alabama | $645 | $61,500 | below |
| 15 | Illinois | $646 | $73,050 | above |
| 16 | South Dakota | $655 | $63,320 | above |
| 17 | Texas | $661 | $62,110 | below |
| 18 | Kansas | $670 | $61,850 | below |
| 19 | Florida | $683 | $65,340 | above |
| 20 | Nebraska | $710 | $70,730 | above |
| 21 | Arkansas | $774 | $52,970 | below |
The federal median for home inspectors is $65,830, which clears the 400% subsidy cliff in 15 of the 21 states measured. Above that line no premium tax credit arrives, so you pay the whole cost of whatever you choose — and what you are really buying at that point is the network. A cheaper plan is nearly always cheaper because it covers fewer places.
That median counts employees, not the self-employed. If you are 1099 it describes people doing your job on someone else’s payroll — useful as a reference point, not as your number.
Network participation is decided per plan, not per carrier. One insurer sells a broad-network plan and a narrow one side by side in the same county, and a hospital can be contracted with the first and not the second. That makes “does this carrier cover my hospital” unanswerable. The version with an answer is whether this specific plan, in your county, this plan year includes the facilities and doctors you use. With no credit softening the decision, picking the wrong network is not a rounding error — it is the year.
It takes about ten minutes to settle. Search the plan’s own provider directory for your named physicians rather than the hospital system; check the specific campus, because a system can include one site and exclude another; then call the billing office and read them the exact plan name, since that is how the contract is written. Re-check every plan year — these are renegotiated annually.
Look up a specific hospital system → — what each one means for the plans filed in its market.
Want cheaper coverage? Want better coverage? Not happy with what you have now? Same next step for all three — tell me your ZIP and the doctors you need covered.
Wages: U.S. Bureau of Labor Statistics, Occupational Employment and Wage Statistics, May 2024 — State-level annual median wage (A_MEDIAN), detailed occupation. Retrieved 2026-08-03. Premiums: CMS Plan Year 2026 Qualified Health Plan Landscape file and published state rate approvals. Full dataset: CSV · JSON (CC BY 4.0).
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.
Two Home Inspectors in different counties can be quoted very different premiums for the same plan. Your ZIP is what decides it.