Costs & Prices
What health insurance costs, and why. These guides cover average premiums by state and family size, how subsidies change what you pay, what pushes prices up, and practical ways to pay less for coverage and care. To compare every state at once, start with health insurance costs by state.
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Average Cost of Health Insurance by State (2026 Prices, 2027 Increases)
In 2026, the benchmark Marketplace plan for a 40-year-old ranged from $401 a month in New Hampshire to $1,299 in Vermont. See prices for every state.
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How Much Is Health Insurance in Wyoming?
Wyoming’s 2026 benchmark plan averaged $1,090 a month for a 40-year-old before subsidies, second-highest in the U.S. Tax credits, 2027 rates and Medicaid.
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How Much Is Health Insurance in Vermont?
Vermont’s 2026 benchmark plan averaged $1,299 a month before subsidies, the highest in the U.S., and it costs the same at any age. Approved 2027 rates…
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How Much Is Health Insurance in Washington, DC?
DC’s 2026 benchmark plan averaged $610 a month for a 40-year-old before subsidies. Approved 2027 rates, DC’s mandate penalty and the Healthy DC Plan.
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How Much Is Health Insurance in Alaska?
Alaska’s 2026 benchmark plan averaged $1,032 a month for a 40-year-old before subsidies. How tax credits, reinsurance and 2027 rate requests change that.
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How Much Is Health Insurance in North Dakota?
North Dakota’s 2026 benchmark plan averaged $570 a month for a 40-year-old, below the U.S. average. Tax credits, reinsurance and proposed 2027 increases.
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How Much Is Health Insurance in South Dakota?
South Dakota’s 2026 benchmark plan averaged $655 a month for a 40-year-old before subsidies. Tax credits, approved 2027 rates and the Medicaid ballot measure.
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How Much Is Health Insurance in Louisiana?
Louisiana’s 2026 benchmark plan averaged $646 a month for a 40-year-old before subsidies. What tax credits cover, final 2027 rates and Medicaid rules.
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How Much Is Health Insurance in Delaware?
Delaware’s 2026 benchmark plan averaged $691 a month for a 40-year-old. Approved 2027 rates, Ambetter’s exit and what you’d pay after a tax credit.
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How Much Is Health Insurance in Rhode Island?
Rhode Island’s 2026 benchmark plan averaged $506 a month for a 40-year-old. HealthSource RI, the state’s coverage penalty, new state help and 2027 rate requests.
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