Cross-state analysis from CMS Plan Year 2026 data.
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Within a single state, the cheapest Silver plan can cost very different amounts depending on which county you live in. Florida has the widest gap in this dataset: $554 to $2,203 — a 4.0× difference.
| State | Lowest @40 | Highest @40 | Gap | Multiple | Counties |
|---|---|---|---|---|---|
| Florida | $554 | $2,203 | $1,649 | 4.0× | 67 |
| Texas | $540 | $1,409 | $869 | 2.6× | 254 |
| Nebraska | $640 | $1,460 | $820 | 2.3× | 93 |
| Oklahoma | $561 | $1,300 | $739 | 2.3× | 77 |
| Michigan | $385 | $1,048 | $663 | 2.7× | 83 |
| North Carolina | $540 | $1,128 | $588 | 2.1× | 100 |
| Utah | $559 | $1,125 | $565 | 2.0× | 29 |
| Alabama | $583 | $1,124 | $541 | 1.9× | 67 |
| Wisconsin | $526 | $1,062 | $536 | 2.0× | 72 |
| South Carolina | $456 | $931 | $476 | 2.0× | 46 |
| Ohio | $482 | $924 | $442 | 1.9× | 88 |
| Kansas | $565 | $979 | $414 | 1.7× | 105 |
| South Dakota | $512 | $882 | $370 | 1.7× | 66 |
| Tennessee | $646 | $1,001 | $355 | 1.5× | 95 |
| Mississippi | $598 | $913 | $315 | 1.5× | 82 |
| Indiana | $440 | $699 | $259 | 1.6× | 92 |
| Arkansas | $753 | $879 | $127 | 1.2× | 75 |
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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