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.