Cross-state analysis from CMS Plan Year 2026 data.
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ACA premiums are age-rated. Using the cheapest Silver plan in each state, here is what the same coverage costs at 27, 40, 50 and 60 — before subsidies.
| State | Age 27 | Age 40 | Age 50 | Age 60 | 60 vs 27 |
|---|---|---|---|---|---|
| South Dakota | $420 | $512 | $715 | $1,087 | 2.59× |
| Michigan | $316 | $385 | $538 | $818 | 2.59× |
| Florida | $454 | $554 | $775 | $1,177 | 2.59× |
| Oklahoma | $460 | $561 | $784 | $1,192 | 2.59× |
| Mississippi | $490 | $598 | $836 | $1,270 | 2.59× |
| Alabama | $478 | $583 | $815 | $1,238 | 2.59× |
| Arkansas | $617 | $753 | $1,052 | $1,599 | 2.59× |
| Kansas | $463 | $565 | $790 | $1,200 | 2.59× |
| Ohio | $395 | $482 | $674 | $1,023 | 2.59× |
| Tennessee | $530 | $646 | $903 | $1,372 | 2.59× |
| Texas | $443 | $540 | $754 | $1,146 | 2.59× |
| Nebraska | $525 | $640 | $895 | $1,359 | 2.59× |
| North Carolina | $443 | $540 | $755 | $1,147 | 2.59× |
| South Carolina | $374 | $456 | $637 | $968 | 2.59× |
| Indiana | $361 | $440 | $615 | $934 | 2.59× |
| Wisconsin | $431 | $526 | $735 | $1,116 | 2.59× |
| Utah | $526 | $559 | $804 | $1,134 | 2.16× |
Source: CMS Plan Year 2026 Qualified Health Plan Landscape file. Full-price filed rates before premium tax credits; not a quote or an offer of coverage. Published 2026-07-31.
The benchmark plan at seven ages, including children and 64-year-olds, for all 23 states covered here: health insurance premiums by age and state.
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