PlansByState

Concrete contractors Health Insurance

SOC 47-2051 · 116,640 employed · $43,740 to $77,450

Licensed Independent Agent · NPN #22052447 · 23 States

Median pay ranges from $43,740 to $77,450 depending on the state. Inside Texas the spread is wider still: $36,160 at the 10th percentile, $58,770 at the 90th.

$46,730median, Texas
$36,160–$58,77010th to 90th percentile there
1/23states with a median over $63,840

The cliff against this trade’s pay range

No earnings level reported in Texas reaches the cliff. That threshold rises with household size, so a family clears it later than a single filer.

Cliff — $63,84010th$36,16025th$39,110Median$46,73075th$50,82090th$58,770
Earnings level in TexasAnnual wageWhere that lands for 2027
10th percentile$36,160Under 250% FPL — credits plus cost-sharing reductions
25th percentile$39,110Under 250% FPL — credits plus cost-sharing reductions
Median$46,730Under 400% FPL — premium tax credit
75th percentile$50,820Under 400% FPL — premium tax credit
90th percentile$58,770Under 400% FPL — premium tax credit

Wages and benchmark premiums by state

State10th25thMedian75th90thEmployedBenchmark @40
Illinois$42,930$53,910$77,450$101,200$106,6405,980$707/mo
Wisconsin$46,140$54,070$63,490$79,070$85,8404,570$720/mo
Ohio$43,250$48,540$62,050$73,580$78,8105,870$603/mo
Colorado$45,710$51,280$60,710$65,250$73,1005,090$615/mo
Nevada$42,070$48,850$60,560$71,610$82,7703,070$565/mo
Indiana$41,540$47,840$59,280$66,150$77,0504,580$537/mo
Michigan$39,450$47,270$59,170$64,790$77,9005,500$595/mo
Utah$44,860$47,290$55,540$61,650$66,1605,700$716/mo
Kansas$38,660$46,530$50,640$61,620$76,3003,730$748/mo
Maryland$35,710$40,070$49,390$60,210$74,3302,650$491/mo
Virginia$36,840$42,790$48,510$58,520$65,7904,550$549/mo
Nebraska$39,890$45,830$48,070$59,230$61,9003,410$780/mo
South Carolina$33,610$38,390$47,430$54,500$62,3701,770$702/mo
North Carolina$36,570$40,430$47,370$50,870$58,1304,170$660/mo
Georgia$35,830$38,700$47,230$55,210$61,4302,640$733/mo
Oklahoma$37,300$39,970$46,940$49,750$57,2502,740$686/mo
Texas$36,160$39,110$46,730$50,820$58,77023,820$737/mo
Florida$35,890$39,140$46,460$54,830$74,94015,000$738/mo
Tennessee$36,190$39,800$46,460$50,740$59,6203,910$796/mo
Arkansas$32,000$38,030$46,020$47,900$57,5902,530$757/mo
South Dakota$36,100$38,330$45,150$53,780$62,0002,270$704/mo
Mississippi$33,280$37,880$44,460$46,820$54,3401,050$814/mo
Alabama$31,780$35,730$43,740$53,430$60,5502,040$712/mo

BLS surveys wage and salary workers, so these exclude the self-employed. For an owner-operator they are a benchmark for the trade in that state, not your own net income.

Questions

Can a carrier charge more for this occupation?
No. Carriers may not rate, decline or exclude on occupation or health history — only age, ZIP code, tobacco use and household size. What varies by trade is income, and income sets the subsidy. No earnings level reported in Texas reaches the cliff.
What income makes the credit disappear?
$63,840 for a single-adult household, rising with household size. In Texas that sits between the $39,110 and $50,820 percentile figures shown above.

Wages: BLS OEWS May 2024, SOC 47-2051, state percentiles, bls.gov/oes, retrieved 2026-08-03, reproduced unmodified. Cliff: 400% of the 2026 HHS poverty guideline (91 FR 1797). Premiums: CMS PY2027 Landscape file. Data: CSV · JSON.

All trades · Cheapest states 2027

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