Benchmark $414/mo · ranked 1 of 21 · median wage $58,870
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The benchmark premium for a 40-year-old in Maryland is $414 a month for 2026, ranking 1 of 21 states published here. BLS reports a median annual wage of $58,870 for Insulation Workers, Floor, Ceiling, and Wall in Maryland.
Below the cliff. At this income a single-person household remains eligible for a premium tax credit in 2026.
This occupation is below the cliff in all 21 states reported.
What this figure is. It is the median annual wage BLS reports for Insulation Workers, Floor, Ceiling, and Wall (SOC 47-2131) in Maryland. 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 2026 the 400% FPL limit applies again, so household income above $62,600 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 | $414 | $58,870 | below |
| 2 | Virginia | $455 | $44,290 | below |
| 3 | Indiana | $474 | $50,510 | below |
| 4 | Nevada | $497 | $61,920 | below |
| 5 | Ohio | $513 | $56,640 | below |
| 6 | Michigan | $523 | $45,700 | below |
| 7 | Colorado | $557 | $48,630 | below |
| 8 | South Carolina | $564 | $45,880 | below |
| 9 | Oklahoma | $604 | $45,730 | below |
| 10 | Wisconsin | $611 | $54,640 | below |
| 11 | Georgia | $615 | $45,900 | below |
| 12 | North Carolina | $638 | $45,150 | below |
| 13 | Utah | $640 | $48,330 | below |
| 14 | Alabama | $645 | $47,260 | below |
| 15 | Illinois | $646 | $49,840 | below |
| 16 | South Dakota | $655 | $40,190 | below |
| 17 | Texas | $661 | $48,010 | below |
| 18 | Kansas | $670 | $46,710 | below |
| 19 | Florida | $683 | $48,350 | below |
| 20 | Nebraska | $710 | $44,560 | below |
| 21 | Arkansas | $774 | $45,220 | below |
This page compares states. For Maryland 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
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.
Because Maryland operates a state-based exchange, its 2027 data is published separately from the federal landscape files. If you are an insulation contractor here, the national summaries are usually either late or simply wrong about this state.
Nobody can tell you your 2027 Maryland premium yet. Filings nationally cluster around a 15% median increase, with the full spread running −1% to 54% — and until this state signs off, a specific local number is invention.
The window opens November 1, 2026, and December 15 is the date worth writing down — it is what secures January 1 cover in Maryland 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.
Maryland publishes its 2027 plan data on its own schedule rather than in the federal files, so the earlier you get a read on your options the less you are relying on national summaries that may not apply here.
Give me a ZIP and I will tell you three things:
Rates for Insulation Contractors in Maryland are set by county, not by occupation. Start with your ZIP and I will show you the plans actually filed where you live.