Private plans with no deductible start lowest in North Carolina and highest in Colorado. 23 states ranked by age, side by side with the full marketplace price.
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Licensed Independent Agent · NPN #22052447 · 23 States
Short answer: for a healthy 40-year-old, a private plan with no deductible starts lowest in North Carolina (from $180 a month) and highest in Colorado (from $350), across the 23 states covered here that sell one. Against the full marketplace price, the gap is widest in Kansas, about $7,148 a year at 40.
Bars: the private estimate’s low end at 40, the main private plan, which has no deductible. The five cheapest states are in the darker color.
| Rank | State | No-deductible plan from, age 40 | Age 30 | Age 60 | Marketplace full price, age 40 | Difference a year |
|---|---|---|---|---|---|---|
| 1 | North Carolina | $180 | $135 | $410 | $733 | $6,637 |
| 2 | Kansas | $205 | $155 | $480 | $801 | $7,148 |
| 3 | Georgia | $210 | $155 | $480 | $742 | $6,388 |
| 4 | Nevada | $210 | $155 | $480 | $581 | $4,458 |
| 5 | Utah | $210 | $155 | $480 | $687 | $5,728 |
| 6 | South Dakota | $220 | $180 | $415 | $721 | $6,014 |
| 7 | Maryland | $240 | $210 | $405 | $474 | $2,813 |
| 8 | Ohio | $245 | $210 | $415 | $597 | $4,219 |
| 9 | Indiana | $270 | $230 | $480 | $557 | $3,443 |
| 10 | Alabama | $300 | $245 | $570 | $779 | $5,742 |
| 11 | Arkansas | $300 | $245 | $570 | $820 | $6,245 |
| 12 | Michigan | $300 | $245 | $570 | $599 | $3,586 |
| 13 | Mississippi | $300 | $245 | $570 | $802 | $6,020 |
| 14 | Nebraska | $300 | $245 | $570 | $807 | $6,079 |
| 15 | Oklahoma | $300 | $245 | $570 | $734 | $5,214 |
| 16 | South Carolina | $300 | $245 | $570 | $689 | $4,664 |
| 17 | Tennessee | $300 | $245 | $570 | $822 | $6,263 |
| 18 | Virginia | $300 | $245 | $570 | $532 | $2,783 |
| 19 | Wisconsin | $300 | $245 | $570 | $744 | $5,323 |
| 20 | Florida | $310 | $255 | $600 | $754 | $5,328 |
| 21 | Texas | $320 | $260 | $615 | $754 | $5,210 |
| 22 | Illinois | $335 | $290 | $565 | $736 | $4,817 |
| 23 | Colorado* | $350 | $260 | $650 | $613 | $3,152 |
Private: the low end of the estimate, averaged for men and women, healthy, before health questions. Marketplace: the benchmark Silver at full price, a 2027 estimate (KFF 2026 benchmark raised by the state’s average 2027 change). Difference: twelve months of the gap at 40. A private plan covers less and is not ACA coverage. *Colorado: no deductible for day-to-day care.
People choosing where to live, remote workers, and anyone over the tax-credit line ($63,840 for one person for 2027 coverage), where the marketplace price is the full price. Under the line, a marketplace plan with the credit is often cheaper; the cost-by-state tool works out both for your age and income.
Age 50 in Kansas, before health questions. The private plan covers less than an ACA plan and asks about your health; the marketplace price is before any tax credit.
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Among the 23 states covered here that sell a private plan with no deductible, North Carolina, where one starts at about $180 a month for a healthy 40-year-old.
Over the tax-credit line, usually, for a healthy buyer: the marketplace is full price there. Under the line, the credit often makes the marketplace cheaper.
Insurers price each state separately, for local medical costs and state rules. The marketplace differs by state for the same reasons, plus each state’s insurers and rating areas.
General information, not a quote or an offer of coverage. Private plans are medically underwritten: they ask health questions, can decline or exclude a condition, are not ACA coverage and get no tax credit. Daniel Griffin, licensed independent agent, NPN #22052447, is not tied to any single carrier and not affiliated with the U.S. government.
The ranking uses state averages. Send your ZIP and a licensed agent prices the no-deductible private plan and the marketplace for your own age and county. It costs nothing, and you deal with a licensed agent, not a call center.
What You Pay Above the Subsidy Cliff, State by State · Health Insurance Comparison Chart by State · Health Insurance Rating Areas, State by State · Health Insurance Premiums by Age, State by State · Insurers Leaving the ACA Marketplace in 2027 · Cheapest States for Health Insurance 2026 — All 51 Jurisdictions · Cheapest States for Health Insurance (2026) · 7 States With No PPO Plans · Where One Insurer Controls the Market · The Age Curve, State by State · Where Your County Matters Most · Carrier Competition by State
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