Benchmark $513/mo · ranked 5 of 21 · median wage $56,640
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The benchmark premium for a 40-year-old in Ohio is $513 a month for 2026, ranking 5 of 21 states published here. BLS reports a median annual wage of $56,640 for Insulation Workers, Floor, Ceiling, and Wall in Ohio.
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 Ohio. 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 Ohio 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.
Ohio has 11 carriers filing across 88 counties right now. That list is rebuilt every year, so what you can choose from in November may not match what you see today — and for an insulation contractor buying your own cover, who stays matters more than the headline rate.
Rate filings for 2027 point to roughly a 15% median increase nationally, from −1% at one end to 54% at the other. Ohio has not finalised, so treat exact local 2027 pricing as unavailable rather than unknown.
Enrollment opens November 1, 2026. Treat December 15 as the deadline: it guarantees January 1 cover on every marketplace, Ohio included. Conflicting end dates get quoted because a 2025 rule shortened the window and a court vacated it in June 2026, appeal pending — enrol by the 15th and the argument is irrelevant to you.
One thing 2027 will not fix: no PPO is sold anywhere in Ohio. All 88 counties offer HMO, EPO or POS only, so care outside the network is effectively emergency-only. If your work as an insulation contractor crosses county lines, weigh that above the premium.
Because Ohio sells no PPO in any of its 88 counties, the thing that will decide your 2027 experience is which network your providers sit in — and that is far easier to check now than during the rush.
Give me a ZIP and I will tell you three things:
Most Insulation Contractors here are buying their own coverage without an employer. One ZIP is all I need to show you what is available in your part of Ohio.