Compare health insurance in 23 states in one chart: the benchmark Silver price for a 40-year-old, insurers, PPO plans, where to enroll and the 2027 rate change.
Prefer to talk? Call (713) 575-9904
Licensed Independent Agent · NPN #22052447 · 23 States
One chart for the 23 states covered here. The benchmark Silver column is the price everything else hangs on: it is the plan the premium tax credit is measured against, and the price you pay in full once your income is over the subsidy line. For a 40-year-old in 2026 it runs from $414 a month in Maryland to $774 in Arkansas.
Fifteen insurers sell in Florida and Texas; South Dakota has three. Seven of the 17 HealthCare.gov states have no PPO plan anywhere on the marketplace: Indiana, Kansas, Mississippi, Ohio, Tennessee, Texas and Utah. And 2027 prices are going up in every state, from 6.0% in Arkansas to 22.1% in South Carolina.
| State | Benchmark Silver, age 40 | Price rank | Insurers | PPO plans | Where you enroll | 2027 change |
|---|---|---|---|---|---|---|
| Alabama | $645/mo | 14 of 23 | 4 | Yes | HealthCare.gov | +20.7% final |
| Arkansas | $774/mo | 23 of 23 | 4 | Yes | HealthCare.gov | +6.0% requested |
| Colorado | $557/mo | 7 of 23 | 6 | — | Connect for Health Colorado | +10.0% final |
| Florida | $683/mo | 20 of 23 | 15 | Yes | HealthCare.gov | +10.4% final |
| Georgia | $615/mo | 11 of 23 | 8 | — | Georgia Access | +20.7% final |
| Illinois | $646/mo | 15 of 23 | 6 | — | Get Covered Illinois | +14.0% final |
| Indiana | $474/mo | 3 of 23 | 5 | None | HealthCare.gov | +17.5% final |
| Kansas | $670/mo | 19 of 23 | 6 | None | HealthCare.gov | +19.5% requested |
| Maryland | $414/mo | 1 of 23 | 7 | — | Maryland Health Connection | +14.6% final |
| Michigan | $523/mo | 6 of 23 | 7 | Yes | HealthCare.gov | +14.5% final |
| Mississippi | $662/mo | 18 of 23 | 5 | None | HealthCare.gov | +21.1% requested |
| Nebraska | $710/mo | 21 of 23 | 5 | Yes | HealthCare.gov | +13.6% requested |
| Nevada | $497/mo | 4 of 23 | 8 | — | Nevada Health Link | +17.0% final |
| North Carolina | $638/mo | 12 of 23 | 6 | Yes | HealthCare.gov | +14.9% requested |
| Ohio | $513/mo | 5 of 23 | 11 | None | HealthCare.gov | +16.3% final |
| Oklahoma | $604/mo | 9 of 23 | 7 | Yes | HealthCare.gov | +21.6% requested |
| South Carolina | $564/mo | 8 of 23 | 6 | Yes | HealthCare.gov | +22.1% final |
| South Dakota | $655/mo | 16 of 23 | 3 | Yes | HealthCare.gov | +10.1% final |
| Tennessee | $711/mo | 22 of 23 | 6 | None | HealthCare.gov | +15.6% final |
| Texas | $661/mo | 17 of 23 | 15 | None | HealthCare.gov | +14.1% requested |
| Utah | $640/mo | 13 of 23 | 6 | None | HealthCare.gov | +7.4% final |
| Virginia | $455/mo | 2 of 23 | 8 | — | Virginia’s Insurance Marketplace | +16.9% final |
| Wisconsin | $611/mo | 10 of 23 | 12 | Yes | HealthCare.gov | +21.7% final |
Benchmark: KFF’s 2026 average benchmark premium (the second-lowest-cost Silver plan for a 40-year-old, weighted by plan selections), the only price published on one basis for every state. Insurers and PPO: the CMS Plan Year 2026 landscape file for HealthCare.gov states; state filings for the six states that run their own marketplace, whose plan types are not in the federal file (—). 2027 change: average change before any credit, final in 16 states and still requested in 7 (status and sources). Checked October 25, 2026. Full-price rates, not a quote or an offer of coverage.
Above 400% of the poverty line ($63,840 for one person in 2027) there is no tax credit, so the benchmark price in this chart is what you pay. What that full price takes out of your income, state by state →
More: 2027 rate increases by state · benchmark premiums for all 51 · states with no PPO · Open Enrollment 2027 by state
A state average can’t tell you that. Enter your ZIP and a licensed agent will send you the real 2027 prices for your county as soon as they’re posted, and what you’d pay after any credit you qualify for. 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
Premiums are set county by county, so a state average tells you very little. Enter your ZIP and a licensed agent will send you the plans filed where you live.
★★★★★
“I run my own business and my time is valuable. Daniel handled everything — compared the private options, explained what I was actually getting, and had me covered fast. Way better experience than trying to navigate it myself.”