PlansByState

Junk removal operators Health Insurance

SOC 53-7081 · 75,820 employed · $33,030 to $65,440

Licensed Independent Agent · NPN #22052447 · 23 States

The median is $45,710 in Texas, but the median is not who you are. A quarter earn under $39,030 and a quarter over $49,050, and the 2027 credit cuts off at $63,840.

$45,710median, Texas
$32,870–$56,36010th to 90th percentile there
1/23states with a median over $63,840

Where the $63,840 cut-off falls

No earnings level reported in Texas reaches the cliff. Everything below it keeps a premium tax credit; everything above pays list price.

Cliff — $63,84010th$32,87025th$39,030Median$45,71075th$49,05090th$56,360
Earnings level in TexasAnnual wageWhere that lands for 2027
10th percentile$32,870Under 250% FPL — credits plus cost-sharing reductions
25th percentile$39,030Under 250% FPL — credits plus cost-sharing reductions
Median$45,710Under 400% FPL — premium tax credit
75th percentile$49,050Under 400% FPL — premium tax credit
90th percentile$56,360Under 400% FPL — premium tax credit

Pay distribution across 23 states

State10th25thMedian75th90thEmployedBenchmark @40
Nevada$35,350$56,010$65,440$78,420$80,170600$565/mo
Illinois$36,190$47,230$61,880$80,890$84,5704,940$707/mo
Colorado$38,960$47,300$60,610$63,710$73,6703,410$615/mo
Wisconsin$35,080$51,320$60,390$62,880$64,4401,330$720/mo
Michigan$34,320$46,180$59,290$72,640$78,0403,680$595/mo
Indiana$34,470$48,810$59,260$61,760$69,8102,980$537/mo
Utah$31,230$43,820$50,720$59,090$61,270680$716/mo
Ohio$32,270$40,620$48,730$58,570$62,8805,000$603/mo
Nebraska$30,560$36,900$47,490$55,660$60,6601,190$780/mo
Florida$32,710$38,280$46,890$52,180$62,0309,690$738/mo
Virginia$28,800$34,950$46,080$55,040$60,7003,720$549/mo
Texas$32,870$39,030$45,710$49,050$56,36010,720$737/mo
Georgia$30,300$35,780$43,000$51,460$60,4804,790$733/mo
Kansas$28,390$31,210$42,540$46,790$57,090980$748/mo
North Carolina$24,310$31,160$40,500$48,890$55,7806,460$660/mo
Maryland$34,170$37,950$40,080$48,180$60,1102,710$491/mo
Alabama$28,970$33,950$39,850$50,920$60,8902,000$712/mo
Tennessee$26,720$31,690$38,570$47,510$59,1602,630$796/mo
South Carolina$22,260$27,800$37,380$46,260$51,1302,600$702/mo
Oklahoma$30,220$33,080$36,850$45,970$55,2902,030$686/mo
Arkansas$27,820$29,940$36,640$39,810$50,2301,530$757/mo
Mississippi$27,230$30,920$36,070$46,380$51,1901,790$814/mo
South Dakota$27,830$29,800$33,030$38,500$46,590360$704/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

Does this trade affect what health insurance costs?
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.
At what earnings does the subsidy stop?
$63,840 for a single-adult household, rising with household size. In Texas that sits between the $39,030 and $49,050 percentile figures shown above.

Wages: BLS OEWS May 2024, SOC 53-7081, 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

Price it for your ZIP →

See what Junk removal operators really pay where they live

Rates for Junk removal operators are set by county, not by occupation. Start with your ZIP and a licensed agent will show you the plans actually filed where you live.

Takes about 30 seconds. No account, and you choose how you are reached.

“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.”
Mark T., client