Cross-state analysis from CMS Plan Year 2026 data.
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Ranked by median Silver premium for a 40-year-old, before subsidies. The gap between first and last is 57%.
| # | State | Median @40 | Cheapest plan | Where |
|---|---|---|---|---|
| 1 | Indiana | $558 | $440 | Anthem Silver Essential 7000 ($0 Virtual PCP + $0 Select Drugs + Incentives) (Anthem Blue Cross and Blue Shield, Daviess County) |
| 2 | Ohio | $625 | $482 | Silver Classic Standard (Oscar Health Insurance, Butler County) |
| 3 | South Carolina | $636 | $456 | Standard Silver (Ambetter from Absolute Total Care, Abbeville County) |
| 4 | Alabama | $680 | $583 | Blue Statewide Silver EPO (Blue Cross and Blue Shield of Alabama, Greene County) |
| 5 | Wisconsin | $687 | $526 | Prestige Silver (Network Health, Calumet County) |
| 6 | Michigan | $708 | $385 | Clear Silver (Ambetter from Meridian, Genesee County) |
| 7 | South Dakota | $725 | $512 | DirectConnect Standard $6000 (Avera, Lincoln County) |
| 8 | Oklahoma | $731 | $561 | Standard Silver (Ambetter of Oklahoma, Canadian County) |
| 9 | Kansas | $765 | $565 | Silver Classic Standard (Oscar, Anderson County) |
| 10 | Tennessee | $773 | $646 | Standard Silver (Ambetter of Tennessee, Fayette County) |
| 11 | Mississippi | $773 | $598 | Silver Simple (Oscar Health Plan, DeSoto County) |
| 12 | Florida | $789 | $554 | Clarity Silver (Ambetter Health, Indian River County) |
| 13 | Utah | $805 | $559 | Signature Benchmark Silver 5900 Medical Deductible (Select Health, Davis County) |
| 14 | Texas | $807 | $540 | MyBlue Health Silver℠ 405 (Blue Cross and Blue Shield of Texas, Cameron County) |
| 15 | North Carolina | $828 | $540 | Standard Silver with Atrium Health (Ambetter of North Carolina, Davidson County) |
| 16 | Arkansas | $828 | $753 | Octave Silver Standardized (Octave, Arkansas County) |
| 17 | Nebraska | $875 | $640 | HeartlandBlue Silver Standard 6000 Blueprint Health (Blue Cross and Blue Shield of Nebraska, Burt County) |
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.
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