# HealthInsuranceFinders.com > Free, independent US health insurance cost data and subsidy math for the 2026 plan year (post-enhanced-credit expiration). Consumer resource since 2009. Not a government site; not an insurer. Key 2026 facts (sources: KFF, CMS, IRS Rev. Proc. 2025-25): - Enhanced ACA premium tax credits expired Dec 31, 2025; the original formula returned for 2026. - 2026 applicable percentages: 2.10% (<133% FPL) rising to 9.96% (300-400% FPL); no credit above 400% FPL (the subsidy cliff). - 400% FPL for 2026 coverage: $62,600 (single), $84,600 (couple), $128,600 (family of 4), 48 contiguous states. - National average benchmark premium 2026: $625/month (40-year-old, second-lowest-cost silver). Range: $401 (NH) to $1,299 (VT). - Average net premium payments rose 58% for 2026; average deductibles rose 37% to $3,786. - 2027 open enrollment: Nov 1, 2026 - Jan 15, 2027 (most states). ## Key pages - [2026 Subsidy Calculator](https://www.healthinsurancefinders.com/calculator/): interactive premium tax credit estimator with 2026 rules - [FPL Calculator](https://www.healthinsurancefinders.com/tools/fpl-calculator/): income as % of federal poverty level + every threshold - [Cost by Age Tool](https://www.healthinsurancefinders.com/tools/cost-by-age/): estimated premium at any age 18-64, any state (CMS 3:1 age curve) - [COBRA vs Marketplace Calculator](https://www.healthinsurancefinders.com/tools/cobra-vs-marketplace-calculator/) - [Costs by State](https://www.healthinsurancefinders.com/states/): average 2026 benchmark premiums, all 50 states + DC, ranked - [Cost by Age tables](https://www.healthinsurancefinders.com/cost-by-age/): 2026 premiums at ages 26-64 for every state - [FPL income limit pages](https://www.healthinsurancefinders.com/fpl/): 100/133/138/150/200/250/300/400% of FPL in dollars by household size - [Guides](https://www.healthinsurancefinders.com/guides/): why premiums doubled, the subsidy cliff, COBRA vs marketplace, bronze vs silver, self-employed - [Glossary](https://www.healthinsurancefinders.com/glossary/): 22 marketplace terms defined with 2026 numbers ## State pages - [Alabama](https://www.healthinsurancefinders.com/states/alabama/): avg benchmark $645/mo (2026) - [Alaska](https://www.healthinsurancefinders.com/states/alaska/): avg benchmark $1,032/mo (2026) - [Arizona](https://www.healthinsurancefinders.com/states/arizona/): avg benchmark $532/mo (2026) - [Arkansas](https://www.healthinsurancefinders.com/states/arkansas/): avg benchmark $774/mo (2026) - [California](https://www.healthinsurancefinders.com/states/california/): avg benchmark $570/mo (2026) - [Colorado](https://www.healthinsurancefinders.com/states/colorado/): avg benchmark $557/mo (2026) - [Connecticut](https://www.healthinsurancefinders.com/states/connecticut/): avg benchmark $870/mo (2026) - [Delaware](https://www.healthinsurancefinders.com/states/delaware/): avg benchmark $691/mo (2026) - [District of Columbia](https://www.healthinsurancefinders.com/states/district-of-columbia/): avg benchmark $610/mo (2026) - [Florida](https://www.healthinsurancefinders.com/states/florida/): avg benchmark $683/mo (2026) - [Georgia](https://www.healthinsurancefinders.com/states/georgia/): avg benchmark $615/mo (2026) - [Hawaii](https://www.healthinsurancefinders.com/states/hawaii/): avg benchmark $541/mo (2026) - [Idaho](https://www.healthinsurancefinders.com/states/idaho/): avg benchmark $490/mo (2026) - [Illinois](https://www.healthinsurancefinders.com/states/illinois/): avg benchmark $646/mo (2026) - [Indiana](https://www.healthinsurancefinders.com/states/indiana/): avg benchmark $474/mo (2026) - [Iowa](https://www.healthinsurancefinders.com/states/iowa/): avg benchmark $501/mo (2026) - [Kansas](https://www.healthinsurancefinders.com/states/kansas/): avg benchmark $670/mo (2026) - [Kentucky](https://www.healthinsurancefinders.com/states/kentucky/): avg benchmark $590/mo (2026) - [Louisiana](https://www.healthinsurancefinders.com/states/louisiana/): avg benchmark $646/mo (2026) - [Maine](https://www.healthinsurancefinders.com/states/maine/): avg benchmark $709/mo (2026) - [Maryland](https://www.healthinsurancefinders.com/states/maryland/): avg benchmark $414/mo (2026) - [Massachusetts](https://www.healthinsurancefinders.com/states/massachusetts/): avg benchmark $494/mo (2026) - [Michigan](https://www.healthinsurancefinders.com/states/michigan/): avg benchmark $523/mo (2026) - [Minnesota](https://www.healthinsurancefinders.com/states/minnesota/): avg benchmark $448/mo (2026) - [Mississippi](https://www.healthinsurancefinders.com/states/mississippi/): avg benchmark $662/mo (2026) - [Missouri](https://www.healthinsurancefinders.com/states/missouri/): avg benchmark $605/mo (2026) - [Montana](https://www.healthinsurancefinders.com/states/montana/): avg benchmark $692/mo (2026) - [Nebraska](https://www.healthinsurancefinders.com/states/nebraska/): avg benchmark $710/mo (2026) - [Nevada](https://www.healthinsurancefinders.com/states/nevada/): avg benchmark $497/mo (2026) - [New Hampshire](https://www.healthinsurancefinders.com/states/new-hampshire/): avg benchmark $401/mo (2026) - [New Jersey](https://www.healthinsurancefinders.com/states/new-jersey/): avg benchmark $545/mo (2026) - [New Mexico](https://www.healthinsurancefinders.com/states/new-mexico/): avg benchmark $623/mo (2026) - [New York](https://www.healthinsurancefinders.com/states/new-york/): avg benchmark $817/mo (2026) - [North Carolina](https://www.healthinsurancefinders.com/states/north-carolina/): avg benchmark $638/mo (2026) - [North Dakota](https://www.healthinsurancefinders.com/states/north-dakota/): avg benchmark $570/mo (2026) - [Ohio](https://www.healthinsurancefinders.com/states/ohio/): avg benchmark $513/mo (2026) - [Oklahoma](https://www.healthinsurancefinders.com/states/oklahoma/): avg benchmark $604/mo (2026) - [Oregon](https://www.healthinsurancefinders.com/states/oregon/): avg benchmark $543/mo (2026) - [Pennsylvania](https://www.healthinsurancefinders.com/states/pennsylvania/): avg benchmark $572/mo (2026) - [Rhode Island](https://www.healthinsurancefinders.com/states/rhode-island/): avg benchmark $506/mo (2026) - [South Carolina](https://www.healthinsurancefinders.com/states/south-carolina/): avg benchmark $564/mo (2026) - [South Dakota](https://www.healthinsurancefinders.com/states/south-dakota/): avg benchmark $655/mo (2026) - [Tennessee](https://www.healthinsurancefinders.com/states/tennessee/): avg benchmark $711/mo (2026) - [Texas](https://www.healthinsurancefinders.com/states/texas/): avg benchmark $661/mo (2026) - [Utah](https://www.healthinsurancefinders.com/states/utah/): avg benchmark $640/mo (2026) - [Vermont](https://www.healthinsurancefinders.com/states/vermont/): avg benchmark $1,299/mo (2026) - [Virginia](https://www.healthinsurancefinders.com/states/virginia/): avg benchmark $455/mo (2026) - [Washington](https://www.healthinsurancefinders.com/states/washington/): avg benchmark $612/mo (2026) - [West Virginia](https://www.healthinsurancefinders.com/states/west-virginia/): avg benchmark $1,073/mo (2026) - [Wisconsin](https://www.healthinsurancefinders.com/states/wisconsin/): avg benchmark $611/mo (2026) - [Wyoming](https://www.healthinsurancefinders.com/states/wyoming/): avg benchmark $1,090/mo (2026)