Benchmark $683/mo · ranked 19 of 21 · median wage $47,610
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The benchmark premium for a 40-year-old in Florida is $683 a month for 2026, ranking 19 of 21 states published here. BLS reports a median annual wage of $47,610 for Locksmiths and Safe Repairers in Florida.
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 Florida. 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.
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 |
This page compares states. For Florida 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 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.
Florida loses a carrier this cycle: Cigna is out of the ACA individual market from January 1, 2027, leaving 14 filing here. For Locksmiths that is a forced decision, and a better one made in November than in January.
Nobody can tell you your 2027 Florida 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.
Mark November 1, 2026 to open and December 15 to act. That second date guarantees cover from January 1 in Florida regardless of how the current litigation over the enrollment window resolves.
All 67 counties in Florida sell a PPO, which is unusual and useful. For a locksmith covering ground, it is the plan type that travels best.
You already know you are changing plans — Cigna is leaving. The only real question is whether you pick the replacement or the marketplace picks it for you, and that is a much easier decision made in August than in the second week of December.
Give me a ZIP and I will tell you three things:
Two Locksmiths on opposite sides of Florida can be quoted very different premiums for the same plan. Your ZIP is what decides it.