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Insulation Contractors Health Insurance in Arkansas

Benchmark $757/mo · ranked 20 of 23 · median wage $45,220

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The benchmark premium for a 40-year-old in Arkansas is $757 a month for 2027, ranking 20 of 23 states published here. BLS reports a median annual wage of $45,220 for Insulation Workers, Floor, Ceiling, and Wall in Arkansas.

Wage benchmark and the 2027 subsidy cliff

$45,220median annual wage, Insulation Contractors in Arkansas
283%of the federal poverty level
$63,8402027 subsidy cliff, single-person household

Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2027.

This occupation is below the cliff in all 23 states reported.

Median annual wage by state, Insulation Workers, Floor, Ceiling, and Wall400% FPL — $63,840Nevada$61,920Mississippi$60,930Maryland$58,870Ohio$56,640Wisconsin$54,640Indiana$50,510Illinois$49,840Colorado$48,630Florida$48,350Utah$48,330Texas$48,010Alabama$47,260Kansas$46,710Georgia$45,900South Carolina$45,880Oklahoma$45,730Michigan$45,700Arkansas$45,220Tennessee$45,170North Carolina$45,150Nebraska$44,560Virginia$44,290South Dakota$40,190

What this figure is. It is the median annual wage BLS reports for Insulation Workers, Floor, Ceiling, and Wall (SOC 47-2131) in Arkansas. 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 insulation 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.

Sources
  1. 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.
  2. U.S. Department of Health and Human Services. Annual Update of the HHS Poverty Guidelines. 91 FR 1797, 15 January 2026. https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Retrieved 2026-09-27. The 2026 guidelines govern premium tax credit eligibility for plan year 2027 coverage. The 2027 guidelines apply to 2028 coverage.
  3. Full dataset for all occupations and states: CSV · JSON (CC BY 4.0).

All 23 states

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

#StateBenchmark @40Median wagevs cliff
1Maryland$491$58,870below
2Indiana$537$50,510below
3Virginia$549$44,290below
4Nevada$565$61,920below
5Michigan$595$45,700below
6Ohio$603$56,640below
7Colorado$615$48,630below
8North Carolina$660$45,150below
9Oklahoma$686$45,730below
10South Carolina$702$45,880below
11South Dakota$704$40,190below
12Illinois$707$49,840below
13Alabama$712$47,260below
14Utah$716$48,330below
15Wisconsin$720$54,640below
16Georgia$733$45,900below
17Texas$737$48,010below
18Florida$738$48,350below
19Kansas$748$46,710below
20Arkansas$757$45,220below
21Nebraska$780$44,560below
22Tennessee$796$45,170below
23Mississippi$814$60,930below

Questions

How much does an insulation contractor make in Arkansas?
The BLS median wage for Insulation Workers, Floor, Ceiling, and Wall in Arkansas is $45,220 a year (May 2024). Starting pay — the 10th percentile — is about $35,130. The middle half earn $37,960 to $48,510, and the top 10% more than $57,010. BLS counts about 340 people doing this work for an employer in Arkansas. The self-employed are not in the BLS survey, so this is the going rate for the work, not your own number.
Does being a insulation contractor change what health insurance costs in Arkansas?
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 $757 a month applies regardless of trade.
Do insulation contractors qualify for a subsidy in Arkansas in 2027?
Premium tax credit eligibility depends on household modified adjusted gross income and household size, not occupation. For reference, the BLS median wage for Insulation Workers, Floor, Ceiling, and Wall in Arkansas is $45,220, which is below the 2027 cliff of $63,840 for a single-person household. Your own income and household size decide the answer.
What is the benchmark premium in Arkansas for 2027?
$757 a month for a 40-year-old, ranking 20 of 20 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 2027 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 Arkansas

This page compares states. For Arkansas 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.

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

How Arkansas compares with every other state →

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Insulation Contractors in Arkansas: choosing a 2027 plan

Arkansas has 4 carriers selling 2027 plans over 75 counties. The list is set county by county, so start with the carriers in yours.

In the median Arkansas county the benchmark Silver plan for a 40-year-old is $757 a month for 2027, down 2.2% on 2026, before any tax credit.

Open Enrollment runs from November 1. December 15 is the date that matters: choose by then and cover starts January 1 in Arkansas and every other state.

PPOs are sold in all 75 Arkansas counties for 2027 — the plan type most likely to pay toward care out of network, which matters if your work takes you around.

Settle it before December 15

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:

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See what you would really pay as one of Arkansas’s Insulation Contractors

There is no single Arkansas price. Enter your ZIP and a licensed agent will pull what is filed in your county, then work out what help you qualify for.

Takes about 30 seconds. No account, and you choose how you are reached.

“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”
Mark T., client