Benchmark $712/mo · ranked 13 of 23 · median wage $44,140
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The benchmark premium for a 40-year-old in Alabama is $712 a month for 2027, ranking 13 of 23 states published here. BLS reports a median annual wage of $44,140 for Locksmiths and Safe Repairers in Alabama.
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 22 states reported.
What this figure is. It is the median annual wage BLS reports for Locksmiths and Safe Repairers (SOC 49-9094) in Alabama. 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 locksmith. 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 | $59,310 | below |
| 2 | Indiana | $537 | $49,320 | below |
| 3 | Virginia | $549 | $57,990 | below |
| 4 | Nevada | $565 | $54,330 | below |
| 5 | Michigan | $595 | $58,570 | below |
| 6 | Ohio | $603 | $43,960 | below |
| 7 | Colorado | $615 | $46,990 | below |
| 8 | North Carolina | $660 | $42,190 | below |
| 9 | Oklahoma | $686 | $45,170 | below |
| 10 | South Carolina | $702 | $45,950 | below |
| 11 | South Dakota | $704 | — | — |
| 12 | Illinois | $707 | $47,360 | below |
| 13 | Alabama | $712 | $44,140 | below |
| 14 | Utah | $716 | $47,690 | below |
| 15 | Wisconsin | $720 | $47,720 | below |
| 16 | Georgia | $733 | $61,610 | below |
| 17 | Texas | $737 | $44,700 | below |
| 18 | Florida | $738 | $47,610 | below |
| 19 | Kansas | $748 | $49,920 | below |
| 20 | Arkansas | $757 | $36,930 | below |
| 21 | Nebraska | $780 | $47,470 | below |
| 22 | Tennessee | $796 | $45,110 | below |
| 23 | Mississippi | $814 | $45,000 | below |
This page compares states. For Alabama 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.
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.
For 2027, 4 carriers sell marketplace plans across Alabama’s 67 counties. Which of them sells in your county is what decides your options as a locksmith.
In the median Alabama county the benchmark Silver plan for a 40-year-old is $686 a month for 2027, up 7.4% on 2026, before any tax credit.
Insurers in Alabama were approved for an average 20.7% increase for 2027; your own premium turns on the plan and the county.
The window runs from November 1, and December 15 is the deadline for coverage that starts January 1 — in Alabama and on every marketplace.
PPOs are sold in all 67 Alabama counties for 2027 — the plan type most likely to pay toward care out of network, which matters if your work takes you around.
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:
Most Locksmiths 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 Alabama.
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