Average Monthly Marketplace Premiums by Metal Tier
This data is presented as an interactive tool that allows users to: filter by timeframe/year, select specific data columns (distributions), filter by state or geography, and view the data as a table, map, or trend chart.
2026
Location Average Lowest-Cost Bronze Premium Average Lowest-Cost Silver Premium Average Benchmark Premium Average Lowest-Cost Gold Premium
United States 456 611 625 615 Alabama 433 632 645 706 Alaska 669 1019 1032 912 Arizona 430 519 532 602 Arkansas 447 753 774 647 California 440 522 570 572 Colorado 422 535 557 515 Connecticut 623 757 870 805 Delaware 542 685 691 727 District of Columbia 505 565 610 649 Florida 505 674 683 640 Georgia 485 604 615 638 Hawaii 414 533 541 542 Idaho 346 484 490 511 Illinois 436 635 646 539 Indiana 405 473 474 646 Iowa 359 497 501 466 Kansas 508 650 670 684 Kentucky 481 577 590 667 Louisiana 447 637 646 676 Maine 525 696 709 752 Maryland 283 403 414 404 Massachusetts 393 476 494 575 Michigan 384 513 523 561 Minnesota 384 437 448 501 Mississippi 589 661 662 845 Missouri 465 604 605 579 Montana 455 681 692 701 Nebraska 545 710 710 729 Nevada 396 495 497 626 New Hampshire 318 394 401 434 New Jersey 451 538 545 700 New Mexico 473 565 623 509 New York 610 788 817 1057 North Carolina 489 633 638 662 North Dakota 398 553 570 549 Ohio 400 513 513 548 Oklahoma 462 602 604 617 Oregon 453 535 543 603 Pennsylvania 364 555 572 478 Rhode Island 367 488 506 502 South Carolina 410 564 564 594 South Dakota 484 642 655 665 Tennessee 508 707 711 698 Texas 426 651 661 570 Utah 510 614 640 701 Vermont 824 1289 1299 1135 Virginia 351 455 455 441 Washington 364 590 612 466 West Virginia 775 1036 1073 961 Wisconsin 443 602 611 640 Wyoming 785 1089 1090 1000
2025
Location Average Lowest-Cost Bronze Premium Average Lowest-Cost Silver Premium Average Benchmark Premium Average Lowest-Cost Gold Premium
United States 381 486 497 507 Alabama 386 523 535 607 Alaska 659 1040 1045 929 Arizona 339 382 410 471 Arkansas 389 452 458 528 California 400 469 512 526 Colorado 363 455 463 440 Connecticut 583 660 693 723 Delaware 412 530 534 528 District of Columbia 483 526 578 608 Florida 394 513 515 520 Georgia 402 489 493 509 Hawaii 373 486 493 501 Idaho 307 430 436 448 Illinois 384 468 474 534 Indiana 329 380 382 481 Iowa 309 427 429 417 Kansas 395 508 513 518 Kentucky 367 435 442 468 Louisiana 391 509 524 548 Maine 464 545 546 625 Maryland 265 362 365 355 Massachusetts 346 419 447 519 Michigan 311 394 404 415 Minnesota 304 355 363 419 Mississippi 443 479 485 554 Missouri 377 484 489 471 Montana 375 540 554 596 Nebraska 465 595 600 590 Nevada 345 413 414 512 New Hampshire 272 320 325 354 New Jersey 398 482 492 680 New Mexico 454 500 515 407 New York 605 766 790 1018 North Carolina 387 502 507 524 North Dakota 368 524 537 517 Ohio 353 437 441 476 Oklahoma 377 493 501 501 Oregon 408 497 510 560 Pennsylvania 306 441 461 403 Rhode Island 299 404 425 416 South Carolina 350 469 471 492 South Dakota 470 616 619 645 Tennessee 402 513 516 516 Texas 356 482 489 432 Utah 440 532 547 569 Vermont 808 1275 1277 1139 Virginia 293 368 372 371 Washington 309 416 434 443 West Virginia 672 908 919 855 Wisconsin 377 487 495 540 Wyoming 660 858 871 783
2024
Location Average Lowest-Cost Bronze Premium Average Lowest-Cost Silver Premium Average Benchmark Premium Average Lowest-Cost Gold Premium
United States 364 468 477 488 Alabama 408 563 564 637 Alaska 533 870 889 791 Arizona 329 373 403 475 Arkansas 374 424 424 509 California 367 438 468 492 Colorado 327 433 451 407 Connecticut 567 648 661 627 Delaware 384 528 533 526 District of Columbia 446 481 532 558 Florida 382 488 489 486 Georgia 356 460 463 483 Hawaii 360 457 468 480 Idaho 323 410 417 436 Illinois 371 461 473 518 Indiana 335 394 399 517 Iowa 329 442 451 428 Kansas 372 485 486 521 Kentucky 361 421 431 463 Louisiana 446 548 563 636 Maine 431 513 515 586 Maryland 256 342 346 336 Massachusetts 323 397 419 485 Michigan 294 374 381 417 Minnesota 283 337 343 394 Mississippi 435 484 485 572 Missouri 391 498 501 536 Montana 351 493 504 549 Nebraska 449 570 570 564 Nevada 319 384 387 506 New Hampshire 266 324 335 354 New Jersey 381 459 461 630 New Mexico 399 449 471 377 New York 562 719 736 911 North Carolina 369 493 495 513 North Dakota 318 463 486 453 Ohio 354 431 435 477 Oklahoma 398 505 508 512 Oregon 365 479 488 526 Pennsylvania 302 434 445 391 Rhode Island 281 380 400 395 South Carolina 360 490 492 513 South Dakota 464 590 616 640 Tennessee 378 490 501 504 Texas 334 468 475 409 Utah 378 500 507 543 Vermont 726 948 950 1018 Virginia 284 370 371 371 Washington 293 403 415 411 West Virginia 652 842 847 849 Wisconsin 350 466 476 499 Wyoming 585 820 821 703
2023
Location Average Lowest-Cost Bronze Premium Average Lowest-Cost Silver Premium Average Benchmark Premium Average Lowest-Cost Gold Premium
United States 342 448 456 472 Alabama 408 553 567 687 Alaska 458 746 762 674 Arizona 326 405 410 478 Arkansas 354 411 416 491 California 342 411 432 453 Colorado 291 376 380 363 Connecticut 515 592 627 577 Delaware 403 542 549 528 District of Columbia 396 426 428 495 Florida 353 468 471 459 Georgia 328 411 413 433 Hawaii 329 430 469 439 Idaho 325 415 420 444 Illinois 340 449 453 482 Indiana 327 395 397 521 Iowa 346 475 484 451 Kansas 353 467 471 480 Kentucky 333 417 422 472 Louisiana 423 550 565 624 Maine 372 449 457 507 Maryland 242 334 336 323 Massachusetts 347 407 417 522 Michigan 266 354 362 398 Minnesota 287 328 335 376 Mississippi 401 462 461 548 Missouri 385 472 473 562 Montana 343 471 477 521 Nebraska 414 549 550 579 Nevada 295 385 386 464 New Hampshire 266 317 323 359 New Jersey 358 435 441 674 New Mexico 357 429 445 353 New York 484 619 627 799 North Carolina 352 501 512 531 North Dakota 296 463 475 452 Ohio 322 411 413 455 Oklahoma 372 503 510 507 Oregon 343 453 462 493 Pennsylvania 292 420 433 380 Rhode Island 270 364 379 379 South Carolina 355 489 496 515 South Dakota 459 608 626 626 Tennessee 341 471 473 477 Texas 324 454 461 407 Utah 331 462 471 545 Vermont 641 837 841 894 Virginia 277 354 371 360 Washington 280 382 395 395 West Virginia 627 822 824 839 Wisconsin 334 449 456 462 Wyoming 573 801 802 708
2022
Location Average Lowest-Cost Bronze Premium Average Lowest-Cost Silver Premium Average Benchmark Premium Average Lowest-Cost Gold Premium
United States 329 428 438 462 Alabama 418 569 597 697 Alaska 429 672 712 610 Arizona 314 383 390 500 Arkansas 311 374 387 458 California 327 395 417 426 Colorado 269 345 351 353 Connecticut 419 540 581 511 Delaware 415 538 548 529 District of Columbia 348 382 387 417 Florida 346 453 456 480 Georgia 304 392 394 403 Hawaii 313 468 484 450 Idaho 323 452 461 480 Illinois 331 413 418 464 Indiana 316 394 398 527 Iowa 347 480 502 465 Kansas 346 446 450 477 Kentucky 315 380 387 470 Louisiana 408 512 541 609 Maine 338 420 427 482 Maryland 221 319 328 296 Massachusetts 302 374 389 450 Michigan 251 335 340 374 Minnesota 293 322 331 387 Mississippi 408 448 448 573 Missouri 355 439 442 519 Montana 331 449 483 487 Nebraska 446 591 595 633 Nevada 279 382 383 443 New Hampshire 264 305 309 354 New Jersey 349 400 424 610 New Mexico 259 370 389 317 New York 429 569 592 724 North Carolina 342 496 504 491 North Dakota 288 478 497 448 Ohio 307 371 375 441 Oklahoma 355 483 498 470 Oregon 329 430 444 464 Pennsylvania 285 398 410 381 Rhode Island 240 341 361 349 South Carolina 339 438 444 483 South Dakota 434 592 601 610 Tennessee 338 441 445 488 Texas 306 415 424 403 Utah 289 438 456 486 Vermont 571 732 749 752 Virginia 343 445 450 435 Washington 287 382 396 407 West Virginia 621 752 752 839 Wisconsin 325 420 429 445 Wyoming 507 745 762 631
2021
Location Average Lowest-Cost Bronze Premium Average Lowest-Cost Silver Premium Average Benchmark Premium Average Lowest-Cost Gold Premium
United States 328 436 452 482 Alabama 401 549 590 669 Alaska 435 673 675 608 Arizona 342 418 436 553 Arkansas 322 387 394 499 California 323 400 426 444 Colorado 273 346 351 383 Connecticut 368 523 580 489 Delaware 400 522 540 517 District of Columbia 337 384 415 431 Florida 339 447 457 489 Georgia 348 443 456 463 Hawaii 314 467 478 440 Idaho 330 492 495 526 Illinois 337 415 423 478 Indiana 333 400 421 592 Iowa 311 481 523 443 Kansas 373 470 491 501 Kentucky 342 455 476 579 Louisiana 410 502 545 614 Maine 348 435 440 494 Maryland 222 342 347 327 Massachusetts 277 353 363 419 Michigan 255 340 347 370 Minnesota 251 295 307 362 Mississippi 407 458 459 543 Missouri 347 467 479 530 Montana 330 445 471 483 Nebraska 439 645 699 631 Nevada 280 383 393 472 New Hampshire 247 325 357 363 New Jersey 319 388 405 661 New Mexico 236 328 339 324 New York 430 588 597 709 North Carolina 350 503 516 518 North Dakota 273 464 493 432 Ohio 280 360 375 428 Oklahoma 367 504 554 502 Oregon 318 426 437 458 Pennsylvania 306 439 455 427 Rhode Island 231 328 349 339 South Carolina 328 469 476 513 South Dakota 454 609 618 652 Tennessee 340 454 466 564 Texas 301 420 436 429 Utah 285 467 472 483 Vermont 491 666 669 674 Virginia 358 470 479 464 Washington 280 380 388 422 West Virginia 596 635 654 825 Wisconsin 338 443 457 480 Wyoming 519 785 791 645
2020
Location Average Lowest-Cost Bronze Premium Average Lowest-Cost Silver Premium Average Benchmark Premium Average Lowest-Cost Gold Premium
United States 331 442 462 501 Alabama 384 521 553 641 Alaska 448 698 724 636 Arizona 363 435 442 579 Arkansas 320 358 365 461 California 314 396 430 443 Colorado 280 353 358 385 Connecticut 340 547 570 533 Delaware 372 521 548 531 District of Columbia 345 404 414 450 Florida 338 454 468 501 Georgia 347 430 463 491 Hawaii 363 460 474 455 Idaho 329 512 520 551 Illinois 361 435 451 499 Indiana 310 381 387 534 Iowa 398 636 742 527 Kansas 372 496 502 497 Kentucky 335 453 471 582 Louisiana 376 467 500 571 Maine 384 506 513 609 Maryland 266 388 397 373 Massachusetts 259 324 343 386 Michigan 251 348 360 382 Minnesota 256 294 309 355 Mississippi 422 449 487 575 Missouri 379 467 483 593 Montana 328 455 483 502 Nebraska 468 667 711 613 Nevada 307 372 374 482 New Hampshire 303 390 405 456 New Jersey 314 382 392 657 New Mexico 257 326 345 342 New York 418 588 610 706 North Carolina 365 518 558 553 North Dakota 273 372 383 409 Ohio 278 368 375 445 Oklahoma 365 527 601 521 Oregon 314 428 446 468 Pennsylvania 335 449 459 486 Rhode Island 219 314 332 325 South Carolina 351 496 509 529 South Dakota 438 588 593 659 Tennessee 351 485 511 617 Texas 295 418 432 471 Utah 289 479 486 609 Vermont 476 645 662 652 Virginia 380 506 521 510 Washington 305 386 391 435 West Virginia 552 619 628 804 Wisconsin 345 470 491 484 Wyoming 590 875 881 732
2019
Location Average Lowest-Cost Bronze Premium Average Lowest-Cost Silver Premium Average Benchmark Premium Average Lowest-Cost Gold Premium
United States 340 454 478 516 Alabama 359 505 546 599 Alaska 472 701 702 672 Arizona 359 452 471 592 Arkansas 320 361 378 461 California 301 416 439 449 Colorado 363 475 488 495 Connecticut 336 448 475 574 Delaware 449 660 684 672 District of Columbia 316 380 393 426 Florida 345 461 477 502 Georgia 354 460 487 538 Hawaii 361 480 493 469 Idaho 294 492 498 504 Illinois 367 447 478 501 Indiana 316 335 339 451 Iowa 467 662 762 607 Kansas 398 517 552 505 Kentucky 327 430 460 564 Louisiana 341 419 454 523 Maine 374 525 544 646 Maryland 298 404 419 408 Massachusetts 257 323 332 363 Michigan 255 367 383 400 Minnesota 271 309 326 364 Mississippi 455 456 521 621 Missouri 394 479 499 657 Montana 379 528 561 590 Nebraska 522 759 838 645 Nevada 327 397 410 450 New Hampshire 302 373 402 444 New Jersey 284 344 352 557 New Mexico 250 347 365 354 New York 402 558 569 638 North Carolina 417 570 618 605 North Dakota 309 438 457 468 Ohio 296 370 380 456 Oklahoma 361 529 696 522 Oregon 323 434 443 471 Pennsylvania 357 462 484 495 Rhode Island 215 315 336 323 South Carolina 373 550 552 560 South Dakota 412 541 557 632 Tennessee 351 506 548 825 Texas 313 422 444 496 Utah 290 513 542 626 Vermont 426 598 622 584 Virginia 410 525 555 531 Washington 343 394 406 455 West Virginia 512 584 596 756 Wisconsin 373 492 537 527 Wyoming 577 858 865 716
2018
Location Average Lowest-Cost Bronze Premium Average Lowest-Cost Silver Premium Average Benchmark Premium Average Lowest-Cost Gold Premium
United States 341 456 481 526 Alabama 354 516 558 583 Alaska 540 699 726 779 Arizona 397 487 516 629 Arkansas 296 340 364 409 California 287 404 430 427 Colorado 389 446 470 540 Connecticut 341 543 545 607 Delaware 473 573 589 706 District of Columbia 271 317 324 385 Florida 313 450 466 479 Georgia 410 470 483 587 Hawaii 336 437 438 449 Idaho 296 469 478 479 Illinois 345 460 486 529 Indiana 306 337 339 465 Iowa 579 713 713 793 Kansas 371 503 518 489 Kentucky 313 410 422 527 Louisiana 367 445 474 550 Maine 379 566 588 641 Maryland 321 448 487 456 Massachusetts 252 307 316 378 Michigan 249 358 381 393 Minnesota 315 370 385 461 Mississippi 464 479 519 648 Missouri 389 495 529 730 Montana 347 495 525 582 Nebraska 568 722 767 804 Nevada 329 415 432 472 New Hampshire 391 457 475 524 New Jersey 328 403 413 655 New Mexico 271 401 414 347 New York 403 492 506 581 North Carolina 464 609 627 656 North Dakota 299 368 377 451 Ohio 278 362 371 428 Oklahoma 395 535 659 664 Oregon 303 406 414 439 Pennsylvania 365 494 575 503 Rhode Island 198 287 311 300 South Carolina 365 521 520 547 South Dakota 399 495 521 594 Tennessee 411 597 743 914 Texas 309 419 434 461 Utah 303 534 550 621 Vermont 422 474 505 569 Virginia 398 515 535 688 Washington 281 326 336 400 West Virginia 468 535 545 705 Wisconsin 389 532 569 576 Wyoming 580 864 865 714
Notes
Premiums are monthly and may include premiums for non-essential health benefits. Premiums were analyzed using the lowest-cost premium for each metal tier (bronze, silver, and gold) and the second-lowest-cost silver (benchmark) premium for a 40-year-old in each county and weighted by county plan selections. In some state-based marketplaces, the premium data for some years are at the rating area level or zip level and are mapped to counties before weighting by county plan selections. For more information on sources and methodology, see: How ACA Marketplace Premiums Changed by County in 2024 .
Sources
KFF analysis of data from Healthcare.gov, state rate review websites, state plan finder tools, and state provided data.