All 31 states ranked by the 2027 benchmark price a self-employed buyer over the tax-credit line pays, with private estimates and each state's deduction guide.
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Short answer: for a self-employed buyer with income over the 2027 tax-credit line ($63,840 for one person, $132,000 for a family of four) the benchmark price is the price, and it runs from $491 a month in Maryland to $1,190 in Wyoming for a 40-year-old across the 31 states covered here. Below the line the credit evens the states out; above it the state you work from is worth $8,388 a year between the two ends.
| # | State | Benchmark Silver at 40, a month | A year | Private plan estimate | Deduction guide |
|---|---|---|---|---|---|
| 1 | Maryland | $491 | $5,892 | $240–$375 | – |
| 2 | Iowa | $528 | $6,336 | – | Iowa guide |
| 3 | Indiana | $537 | $6,444 | $270–$350 | Indiana guide |
| 4 | Virginia | $549 | $6,588 | $300–$445 | Virginia guide |
| 5 | Nevada | $565 | $6,780 | $210–$415 | Nevada guide |
| 6 | Michigan | $595 | $7,140 | $300–$415 | Michigan guide |
| 7 | Ohio | $603 | $7,236 | $245–$385 | Ohio guide |
| 8 | Colorado | $615 | $7,380 | $350–$445 | Colorado guide |
| 9 | North Carolina | $660 | $7,920 | $180–$390 | North Carolina guide |
| 10 | Kentucky | $667 | $8,004 | – | – |
| 11 | Missouri | $675 | $8,100 | – | Missouri guide |
| 12 | Oklahoma | $686 | $8,232 | $300–$445 | Oklahoma guide |
| 13 | South Carolina | $702 | $8,424 | $300–$445 | South Carolina guide |
| 14 | South Dakota | $704 | $8,448 | $220–$425 | South Dakota guide |
| 15 | Illinois | $707 | $8,484 | $335–$440 | – |
| 16 | Alabama | $712 | $8,544 | $300–$415 | Alabama guide |
| 17 | Utah | $716 | $8,592 | $210–$385 | Utah guide |
| 18 | Wisconsin | $720 | $8,640 | $300–$440 | Wisconsin guide |
| 19 | Louisiana | $730 | $8,760 | – | Louisiana guide |
| 20 | Georgia | $733 | $8,796 | $210–$415 | Georgia guide |
| 21 | Texas | $737 | $8,844 | $320–$420 | Texas guide |
| 22 | Florida | $738 | $8,856 | $310–$450 | Florida guide |
| 23 | Kansas | $748 | $8,976 | $205–$415 | Kansas guide |
| 24 | Arkansas | $757 | $9,084 | $300–$445 | Arkansas guide |
| 25 | Nebraska | $780 | $9,360 | $300–$445 | Nebraska guide |
| 26 | Tennessee | $796 | $9,552 | $300–$425 | Tennessee guide |
| 27 | Mississippi | $814 | $9,768 | $300–$435 | Mississippi guide |
| 28 | Delaware | $876 | $10,512 | – | Delaware guide |
| 29 | Montana | $889 | $10,668 | – | Montana guide |
| 30 | West Virginia | $1,185 | $14,220 | – | West Virginia guide |
| 31 | Wyoming | $1,190 | $14,280 | – | Wyoming guide |
Benchmark: KFF 2027 average benchmark premium, the second-lowest-cost Silver plan for a 40-year-old, before any tax credit. Private plan estimate: the low and high end of the same rate table as the ZIP check on this site, for the states with quoted rates; it asks health questions and is not ACA coverage.
Below 400% of the poverty line the premium tax credit caps the benchmark plan at a share of income, 10.22% at the top of the scale, so a self-employed buyer in Wyoming and one in Maryland pay the same for the benchmark. Above the line the credit is gone, and the full price is what each state’s insurers filed. The self-employed health insurance deduction (Form 7206) then takes the premiums back off income in every state, and in the states with an income tax it lowers that too; the deduction guides linked above have each state’s treatment and a calculator.
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The subsidy cliff for business owners · S corp owner health insurance · cheapest states for private health insurance · the cost-by-state tool
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At full price, Maryland: its 2027 benchmark Silver for a 40-year-old is $491 a month (KFF). Wyoming is the dearest at $1,190. Below the tax-credit line the credit evens the states out.
The federal deduction is the same everywhere: premiums come off income on Form 7206, up to the profit of the business. States with an income tax that starts from federal figures lower that tax too; the state guides give each one.
Yes, in any month. The estimate column shows the range for the states with quoted rates; private plans ask health questions, are not ACA coverage and get no tax credit.
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.
Send your ZIP code. A licensed agent compares the plans where you live and what the deduction does to the net cost. It costs nothing, and you deal with a licensed agent, not a call center.
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