ACA Health Insurance Rankings by State (2026)

Cheapest States for Health Insurance (2026) — Indiana has the cheapest median Silver premium at $558/month for a 40-year-old. Full ranking of 15 states.
5 States With No PPO Plans — Indiana, Kansas, Ohio, Texas, Utah have zero PPO plans on the 2026 ACA marketplace. What that means if you travel or work across county lines.
Where One Insurer Controls the Market — 36 of 1,314 counties across 15 states have just one ACA carrier. Where competition has disappeared.
The Age Curve, State by State — ACA premiums are age-rated. Across 15 states a 60-year-old pays 2.2x to 2.6x what a 27-year-old pays for the same Silver plan.
Where Your County Matters Most — In Florida, the same Silver tier ranges from $554 to $2,203 depending on county. Where geography drives price hardest.
Carrier Competition by State — Carrier counts by state on the 2026 ACA marketplace, from 15 down to 3. More carriers usually means lower premiums.

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