Locksmiths Health Insurance in Arkansas (2026)

Wage benchmark and the 2026 subsidy cliff

$36,930median annual wage, Locksmiths in Arkansas

236%of the federal poverty level

$62,6002026 subsidy cliff, single-person household

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 20 states reported.

What this figure is. It is the median annual wage BLS reports for Locksmiths and Safe Repairers (SOC 49-9094) 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 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 2026 the 400% FPL limit applies again, so household income above $62,600 ends premium tax credit eligibility outright.

Sources

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.
U.S. Department of Health and Human Services. Annual Update of the HHS Poverty Guidelines. 90 FR 5917, 17 January 2025. https://aspe.hhs.gov/topics/poverty-economic-mobility/poverty-guidelines. Retrieved 2026-08-03. The 2025 guidelines govern premium tax credit eligibility for plan year 2026 coverage. The 2026 guidelines apply to 2027 coverage.
Full dataset for all occupations and states: CSV · JSON (CC BY 4.0).

All 21 states

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

#	State	Benchmark @40	Median wage	vs cliff
1	Maryland	$414	$59,310	below
2	Virginia	$455	$57,990	below
3	Indiana	$474	$49,320	below
4	Nevada	$497	$54,330	below
5	Ohio	$513	$43,960	below
6	Michigan	$523	$58,570	below
7	Colorado	$557	$46,990	below
8	South Carolina	$564	$45,950	below
9	Oklahoma	$604	$45,170	below
10	Wisconsin	$611	$47,720	below
11	Georgia	$615	$61,610	below
12	North Carolina	$638	$42,190	below
13	Utah	$640	$47,690	below
14	Alabama	$645	$44,140	below
15	Illinois	$646	$47,360	below
16	South Dakota	$655	—	—
17	Texas	$661	$44,700	below
18	Kansas	$670	$49,920	below
19	Florida	$683	$47,610	below
20	Nebraska	$710	$47,470	below
21	Arkansas	$774	$36,930	below

Questions

Does being a locksmith 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 $774 a month applies regardless of trade.

Do locksmiths qualify for a subsidy in Arkansas in 2026?

Premium tax credit eligibility depends on household modified adjusted gross income and household size, not occupation. For reference, the BLS median wage for Locksmiths and Safe Repairers in Arkansas is $36,930, which is below the 2026 cliff of $62,600 for a single-person household. Your own income and household size decide the answer.

What is the benchmark premium in Arkansas for 2026?

$774 a month for a 40-year-old, ranking 21 of 21 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 2026 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.

← Locksmiths in all states · All trades · All occupations

Looking ahead to 2027 as a locksmith in Arkansas

Arkansas has 4 carriers filing across 75 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 a locksmith 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. Arkansas 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, Arkansas 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.

In your favour: PPOs are sold in all 75 Arkansas counties. That is the type most likely to pay toward out-of-network care, and worth defending at renewal if your work as a locksmith takes you around.

Worth sorting before November

Nothing about 2027 is urgent yet, which is exactly why it is worth ten minutes now. Come November you will be choosing between Arkansas’s carriers under a deadline; today you can do it without one.

Give me a ZIP and I will tell you three things:

Whether your current plan and carrier are still writing in your county for 2027
What your income estimate should realistically be — the number your credit is calculated from, and the one locksmiths most often get wrong
Whether the doctors you actually use are in the 2027 network, before you are locked in

Map my 2027 options →

Put in a Arkansas ZIP and see what Locksmiths are paying

Coverage for Locksmiths is priced county by county across Arkansas. Enter your ZIP and I will show you what is on the table.

One field. No account, no phone call unless you ask for one.

Locksmiths Health Insurance in Arkansas