Cross-state analysis from CMS Plan Year 2026 data.
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Indiana, Kansas, Mississippi, Ohio, Tennessee, Texas, Utah have no PPO plans filed on the 2026 marketplace. Every plan is an HMO, EPO or POS — which generally means out-of-network care is limited to emergencies.
Alabama and Arkansas and others have no HMO plans. Kansas is the narrowest market in this dataset — EPO only, statewide.
| State | Plan types available | Gap |
|---|---|---|
| Kansas | EPO | No PPO |
| Ohio | HMO | No PPO |
| Tennessee | EPO | No PPO |
| Alabama | EPO, PPO | No HMO |
| Arkansas | POS, PPO | No HMO |
| Nebraska | EPO, PPO | No HMO |
| Oklahoma | HMO, PPO | — |
| Utah | EPO, HMO | No PPO |
| Mississippi | EPO, HMO | No PPO |
| Indiana | EPO, HMO, POS | No PPO |
| Michigan | EPO, HMO, PPO | — |
| South Dakota | EPO, HMO, PPO | — |
| Texas | EPO, HMO, POS | No PPO |
| Florida | EPO, HMO, POS, PPO | — |
| North Carolina | EPO, HMO, POS, PPO | — |
| South Carolina | EPO, HMO, POS, PPO | — |
| Wisconsin | EPO, HMO, POS, PPO | — |
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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