What the benchmark Silver plan costs a month at 21, 30, 40, 50, 60 and 64, and for a child, in 23 states. Full 2026 prices, before any premium tax credit.
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Marketplace prices are set by age. The same plan costs a 64-year-old three times what it costs a 21-year-old, which is the most federal law allows. This table shows the benchmark Silver plan, the one the premium tax credit is measured against, at seven ages in each of the 23 states covered here.
At 64 the full monthly price runs from $972 in Maryland to $1,817 in Arkansas. For a 21-year-old it is $324 to $606. Two things break the usual pattern. Utah uses its own age curve: prices climb faster through the 20s and 30s and reach the top rate at 59, so a 60-year-old and a 64-year-old pay the same. Alabama and Mississippi charge children one flat, lower rate through age 20.
| State | Child, 0–14 | Age 21 | Age 30 | Age 40 | Age 50 | Age 60 | Age 64 |
|---|---|---|---|---|---|---|---|
| Alabama | $320 | $505 | $573 | $645 | $901 | $1,370 | $1,514 |
| Arkansas | $463 | $606 | $687 | $774 | $1,082 | $1,644 | $1,817 |
| Colorado | $333 | $436 | $495 | $557 | $778 | $1,183 | $1,308 |
| Florida | $409 | $534 | $607 | $683 | $954 | $1,450 | $1,603 |
| Georgia | $368 | $481 | $546 | $615 | $859 | $1,306 | $1,444 |
| Illinois | $387 | $505 | $574 | $646 | $903 | $1,372 | $1,516 |
| Indiana | $284 | $371 | $421 | $474 | $662 | $1,007 | $1,113 |
| Kansas | $401 | $524 | $595 | $670 | $936 | $1,423 | $1,573 |
| Maryland | $248 | $324 | $368 | $414 | $579 | $879 | $972 |
| Michigan | $313 | $409 | $464 | $523 | $731 | $1,111 | $1,228 |
| Mississippi | $329 | $518 | $588 | $662 | $925 | $1,406 | $1,554 |
| Nebraska | $425 | $556 | $631 | $710 | $992 | $1,508 | $1,667 |
| Nevada | $298 | $389 | $441 | $497 | $695 | $1,055 | $1,167 |
| North Carolina | $382 | $499 | $567 | $638 | $892 | $1,355 | $1,498 |
| Ohio | $307 | $401 | $456 | $513 | $717 | $1,089 | $1,204 |
| Oklahoma | $362 | $473 | $536 | $604 | $844 | $1,283 | $1,418 |
| South Carolina | $338 | $441 | $501 | $564 | $788 | $1,198 | $1,324 |
| South Dakota | $392 | $513 | $582 | $655 | $915 | $1,391 | $1,538 |
| Tennessee | $426 | $556 | $631 | $711 | $994 | $1,510 | $1,669 |
| Texas | $396 | $517 | $587 | $661 | $924 | $1,404 | $1,552 |
| Utah | $343 | $433 | $601 | $640 | $920 | $1,298 | $1,298 |
| Virginia | $272 | $356 | $404 | $455 | $636 | $966 | $1,068 |
| Wisconsin | $366 | $478 | $543 | $611 | $854 | $1,298 | $1,434 |
Age 40 = KFF’s 2026 average benchmark premium for each state (the second-lowest-cost Silver plan for a 40-year-old, weighted by plan selections). Other ages use the federal default age curve published by CMS, which every state here follows except Utah (its own CMS-approved curve) and, for children, Alabama and Mississippi (a flat 0.635 factor under 21); all three checked against the CMS Plan Year 2026 plan records. Full price per person per month, non-smoker, before any tax credit. Your county and plan will differ. Not a quote or an offer of coverage. Checked October 3, 2026.
Below 400% of the poverty line ($63,840 for one person for 2027 coverage), the tax credit caps the benchmark plan at a share of your income, at most 10.22%, whatever your age. A 64-year-old earning $60,000 pays no more than $511 a month for the benchmark in any of these states, even where its full price is over $1,500. That is why the age curve hits hardest just above the line, where there is no credit at all: what the full price takes out of your income, state by state.
Over the line and healthy? At full price the marketplace is not the only option worth pricing. A privately underwritten plan can cost less than the full-price benchmark; it covers less, and its price depends on your health answers. A licensed agent will show you both side by side and say which one fits your position.
2027 prices are going up in every state, by an average of 6.0% in Arkansas to 21.6% in Oklahoma (by state). This page switches to 2027 benchmarks when KFF publishes them in late October.
More: the age curve on the cheapest Silver plan · rating areas by state · health insurance comparison chart by state · 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 · 2027 Health Insurance Rate Increases 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.
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