2026 marketplace premiums, state by state
How much marketplace plans cost in 2026 vs 2025, from CMS QHP Landscape files. Benchmark age 27, average across all plans, HealthCare.gov states.
This page shows what insurers charge, not what you pay: subsidies and age can change your bill a lot. Use the change column to see who raised prices most. For you: a plan's premium only matters against its deductible and your subsidy.
Subsidy warning: the enhanced ACA subsidies expire at the end of 2025. These figures show how much plans themselves cost in 2026 vs 2025. For most shoppers the real out-of-pocket change is larger, because the tax credit that has been capping monthly bills is shrinking at the same time.
Want your number? Every state page has a 2026 subsidy estimator: pick household size, age and income, and it estimates your monthly tax credit from the official IRS table. See it on a state page.
Frequently asked
Why did marketplace premiums go up in 2026?
The state table above shows each state's average benchmark-age premium for 2026 vs 2025 from CMS QHP Landscape files. Rate increases, subsidy expirations, and insurer exits all feed the change column.
What is the benchmark premium?
It is the average Adult Individual Age 27 premium across all plans in the state, the CMS benchmark age. Your actual quote depends on your age, household size, and the plans available where you live.
Will a subsidy lower my premium?
Probably. Premium tax credits under the ACA cap what you pay relative to your income. The subsidy estimator on this page computes your expected credit from the 2026 Applicable Percentage Table.
Which metal level should I buy?
Bronze is cheapest monthly but highest deductible; Gold costs more monthly but pays more of your bills. Silver matters most because cost-sharing reductions attach to silver plans only.