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Enter your state, income, and household size. See your estimated premium tax credit under the new 2026 rules — including whether you fell off the subsidy cliff, and how to climb back over it.
Average 2026 premiums, subsidy examples, and where to enroll for all 50 states + DC — each state has its own marketplace rules and prices.
Lost your subsidy? Premium doubled? Turning 26, self-employed, or between jobs? Short, practical answers with 2026 numbers.
Compare 2026 plans and prices side by side
Licensed marketplaces and brokers can show you every plan available at your address — including ones with better networks or lower deductibles than your current plan.
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Your income as a % of the federal poverty level — and every threshold that matters at it: Medicaid, cost-sharing reductions, the subsidy cliff.
Health insurance prices scale with age — up to 3× by 64. See the estimated full price at any age in any state, and where age doesn't matter at all.
Lost a job? Enter your COBRA quote and expected income — see which option is cheaper in about 20 seconds.
Every FPL threshold (100%–400%) in dollars, by household size, for all states — the lines that decide what help you get.
Average 2026 premiums at ages 26–64 for all 51 states, computed from the federal age curve.
MAGI, benchmark plan, CSR, the cliff — every term you'll hit while shopping, decoded with 2026 numbers.
Most and least expensive states in 2026
Average monthly benchmark premium (the second-lowest-cost silver plan for a 40-year-old, before subsidies):
Most expensive
| # | State | Avg. benchmark |
|---|---|---|
| 1 | Vermont | $1,299/mo |
| 2 | Wyoming | $1,090/mo |
| 3 | West Virginia | $1,073/mo |
| 4 | Alaska | $1,032/mo |
| 5 | Connecticut | $870/mo |
Least expensive
| # | State | Avg. benchmark |
|---|---|---|
| 51 | New Hampshire | $401/mo |
| 50 | Maryland | $414/mo |
| 49 | Minnesota | $448/mo |
| 48 | Virginia | $455/mo |
| 47 | Indiana | $474/mo |
What changed for 2026 — in 30 seconds
The enhanced premium tax credits (2021–2025) expired on December 31, 2025. Subsidies reverted to the original, smaller ACA formula.
The 400% FPL "subsidy cliff" is back: earn even $1 over four times the federal poverty level ($62,600 for a single person, $84,600 for a couple in most states) and you get zero premium help.
Everyone else pays a bigger share of income — from 2.1% at the low end up to 9.96% near the cliff (it was 0%–8.5% in 2025).
Average net premium payments rose 58% ($113 → $178/mo) and average deductibles jumped 37% to $3,786 — the steepest rise ever.
Open enrollment for 2027 plans runs November 1, 2026 – January 15, 2027 in most states. Miss it, and you'll need a qualifying life event to enroll.