Marketplace Average Monthly Benchmark Premiums
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 Benchmark Premium
United States 625 Alabama 645 Alaska 1032 Arizona 532 Arkansas 774 California 570 Colorado 557 Connecticut 870 Delaware 691 District of Columbia 610 Florida 683 Georgia 615 Hawaii 541 Idaho 490 Illinois 646 Indiana 474 Iowa 501 Kansas 670 Kentucky 590 Louisiana 646 Maine 709 Maryland 414 Massachusetts 494 Michigan 523 Minnesota 448 Mississippi 662 Missouri 605 Montana 692 Nebraska 710 Nevada 497 New Hampshire 401 New Jersey 545 New Mexico 623 New York 817 North Carolina 638 North Dakota 570 Ohio 513 Oklahoma 604 Oregon 543 Pennsylvania 572 Rhode Island 506 South Carolina 564 South Dakota 655 Tennessee 711 Texas 661 Utah 640 Vermont 1299 Virginia 455 Washington 612 West Virginia 1073 Wisconsin 611 Wyoming 1090
2025
Location Average Benchmark Premium
United States 497 Alabama 535 Alaska 1045 Arizona 410 Arkansas 458 California 512 Colorado 463 Connecticut 693 Delaware 534 District of Columbia 578 Florida 515 Georgia 493 Hawaii 493 Idaho 436 Illinois 474 Indiana 382 Iowa 429 Kansas 513 Kentucky 442 Louisiana 524 Maine 546 Maryland 365 Massachusetts 447 Michigan 404 Minnesota 363 Mississippi 485 Missouri 489 Montana 554 Nebraska 600 Nevada 414 New Hampshire 325 New Jersey 492 New Mexico 515 New York 790 North Carolina 507 North Dakota 537 Ohio 441 Oklahoma 501 Oregon 510 Pennsylvania 461 Rhode Island 425 South Carolina 471 South Dakota 619 Tennessee 516 Texas 489 Utah 547 Vermont 1277 Virginia 372 Washington 434 West Virginia 919 Wisconsin 495 Wyoming 871
2024
Location Average Benchmark Premium
United States 477 Alabama 564 Alaska 889 Arizona 403 Arkansas 424 California 468 Colorado 451 Connecticut 661 Delaware 533 District of Columbia 532 Florida 489 Georgia 463 Hawaii 468 Idaho 417 Illinois 473 Indiana 399 Iowa 451 Kansas 486 Kentucky 431 Louisiana 563 Maine 515 Maryland 346 Massachusetts 419 Michigan 381 Minnesota 343 Mississippi 485 Missouri 501 Montana 504 Nebraska 570 Nevada 387 New Hampshire 335 New Jersey 461 New Mexico 471 New York 736 North Carolina 495 North Dakota 486 Ohio 435 Oklahoma 508 Oregon 488 Pennsylvania 445 Rhode Island 400 South Carolina 492 South Dakota 616 Tennessee 501 Texas 475 Utah 507 Vermont 950 Virginia 371 Washington 415 West Virginia 847 Wisconsin 476 Wyoming 821
2023
Location Average Benchmark Premium
United States 456 Alabama 567 Alaska 762 Arizona 410 Arkansas 416 California 432 Colorado 380 Connecticut 627 Delaware 549 District of Columbia 428 Florida 471 Georgia 413 Hawaii 469 Idaho 425 Illinois 453 Indiana 397 Iowa 484 Kansas 471 Kentucky 422 Louisiana 565 Maine 457 Maryland 336 Massachusetts 417 Michigan 362 Minnesota 335 Mississippi 461 Missouri 473 Montana 477 Nebraska 550 Nevada 386 New Hampshire 323 New Jersey 441 New Mexico 445 New York 627 North Carolina 512 North Dakota 475 Ohio 413 Oklahoma 510 Oregon 462 Pennsylvania 433 Rhode Island 379 South Carolina 496 South Dakota 626 Tennessee 473 Texas 461 Utah 471 Vermont 841 Virginia 371 Washington 395 West Virginia 824 Wisconsin 456 Wyoming 802
2022
Location Average Benchmark Premium
United States 438 Alabama 597 Alaska 712 Arizona 390 Arkansas 387 California 417 Colorado 358 Connecticut 581 Delaware 548 District of Columbia 387 Florida 456 Georgia 394 Hawaii 484 Idaho 461 Illinois 418 Indiana 398 Iowa 502 Kansas 450 Kentucky 387 Louisiana 541 Maine 427 Maryland 328 Massachusetts 389 Michigan 340 Minnesota 327 Mississippi 448 Missouri 442 Montana 483 Nebraska 595 Nevada 383 New Hampshire 309 New Jersey 424 New Mexico 389 New York 592 North Carolina 504 North Dakota 497 Ohio 375 Oklahoma 498 Oregon 444 Pennsylvania 390 Rhode Island 361 South Carolina 444 South Dakota 601 Tennessee 445 Texas 424 Utah 456 Vermont 749 Virginia 450 Washington 396 West Virginia 752 Wisconsin 429 Wyoming 762
2021
Location Average Benchmark Premium
United States 452 Alabama 590 Alaska 675 Arizona 436 Arkansas 394 California 426 Colorado 351 Connecticut 580 Delaware 540 District of Columbia 415 Florida 457 Georgia 456 Hawaii 478 Idaho 495 Illinois 423 Indiana 421 Iowa 523 Kansas 491 Kentucky 476 Louisiana 545 Maine 440 Maryland 347 Massachusetts 363 Michigan 347 Minnesota 307 Mississippi 459 Missouri 479 Montana 471 Nebraska 699 Nevada 393 New Hampshire 357 New Jersey 405 New Mexico 339 New York 597 North Carolina 516 North Dakota 493 Ohio 375 Oklahoma 554 Oregon 437 Pennsylvania 455 Rhode Island 349 South Carolina 476 South Dakota 618 Tennessee 466 Texas 436 Utah 472 Vermont 669 Virginia 479 Washington 388 West Virginia 654 Wisconsin 457 Wyoming 791
2020
Location Average Benchmark Premium
United States 462 Alabama 553 Alaska 724 Arizona 442 Arkansas 365 California 430 Colorado 358 Connecticut 570 Delaware 548 District of Columbia 414 Florida 468 Georgia 463 Hawaii 474 Idaho 520 Illinois 451 Indiana 387 Iowa 742 Kansas 502 Kentucky 471 Louisiana 500 Maine 513 Maryland 397 Massachusetts 343 Michigan 360 Minnesota 309 Mississippi 487 Missouri 483 Montana 483 Nebraska 711 Nevada 374 New Hampshire 405 New Jersey 392 New Mexico 345 New York 610 North Carolina 558 North Dakota 383 Ohio 375 Oklahoma 601 Oregon 446 Pennsylvania 459 Rhode Island 332 South Carolina 509 South Dakota 593 Tennessee 511 Texas 432 Utah 486 Vermont 662 Virginia 521 Washington 391 West Virginia 628 Wisconsin 491 Wyoming 881
2019
Location Average Benchmark Premium
United States 478 Alabama 546 Alaska 702 Arizona 471 Arkansas 378 California 439 Colorado 488 Connecticut 475 Delaware 684 District of Columbia 393 Florida 477 Georgia 487 Hawaii 493 Idaho 498 Illinois 478 Indiana 339 Iowa 762 Kansas 552 Kentucky 460 Louisiana 454 Maine 544 Maryland 419 Massachusetts 332 Michigan 383 Minnesota 326 Mississippi 521 Missouri 499 Montana 561 Nebraska 838 Nevada 410 New Hampshire 402 New Jersey 352 New Mexico 365 New York 569 North Carolina 618 North Dakota 457 Ohio 380 Oklahoma 696 Oregon 443 Pennsylvania 484 Rhode Island 336 South Carolina 552 South Dakota 557 Tennessee 548 Texas 444 Utah 542 Vermont 622 Virginia 555 Washington 406 West Virginia 596 Wisconsin 537 Wyoming 865
2018
Location Average Benchmark Premium
United States 481 Alabama 558 Alaska 726 Arizona 516 Arkansas 364 California 430 Colorado 470 Connecticut 545 Delaware 589 District of Columbia 324 Florida 466 Georgia 483 Hawaii 438 Idaho 478 Illinois 486 Indiana 339 Iowa 713 Kansas 518 Kentucky 422 Louisiana 474 Maine 588 Maryland 487 Massachusetts 316 Michigan 381 Minnesota 385 Mississippi 519 Missouri 529 Montana 525 Nebraska 767 Nevada 432 New Hampshire 475 New Jersey 413 New Mexico 414 New York 506 North Carolina 627 North Dakota 377 Ohio 371 Oklahoma 659 Oregon 414 Pennsylvania 575 Rhode Island 311 South Carolina 520 South Dakota 521 Tennessee 743 Texas 434 Utah 550 Vermont 505 Virginia 535 Washington 336 West Virginia 545 Wisconsin 569 Wyoming 865
2017
Location Average Benchmark Premium
United States 359 Alabama 469 Alaska 926 Arizona 515 Arkansas 281 California 341 Colorado 352 Connecticut 414 Delaware 423 District of Columbia 298 Florida 331 Georgia 336 Hawaii 330 Idaho 355 Illinois 352 Indiana 278 Iowa 379 Kansas 376 Kentucky 289 Louisiana 413 Maine 385 Maryland 318 Massachusetts 250 Michigan 278 Minnesota 412 Mississippi 329 Missouri 372 Montana 465 Nebraska 507 Nevada 302 New Hampshire 267 New Jersey 348 New Mexico 273 New York 454 North Carolina 543 North Dakota 352 Ohio 274 Oklahoma 518 Oregon 348 Pennsylvania 396 Rhode Island 261 South Carolina 386 South Dakota 456 Tennessee 472 Texas 320 Utah 309 Vermont 492 Virginia 322 Washington 243 West Virginia 472 Wisconsin 368 Wyoming 504
2016
Location Average Benchmark Premium
United States 299 Alabama 297 Alaska 719 Arizona 239 Arkansas 298 California 312 Colorado 307 Connecticut 353 Delaware 356 District of Columbia 244 Florida 287 Georgia 287 Hawaii 262 Idaho 284 Illinois 255 Indiana 282 Iowa 300 Kansas 264 Kentucky 261 Louisiana 353 Maine 335 Maryland 254 Massachusetts 257 Michigan 260 Minnesota 260 Mississippi 279 Missouri 314 Montana 322 Nebraska 332 Nevada 286 New Hampshire 262 New Jersey 332 New Mexico 212 New York 393 North Carolina 389 North Dakota 330 Ohio 268 Oklahoma 306 Oregon 274 Pennsylvania 260 Rhode Island 263 South Carolina 301 South Dakota 329 Tennessee 287 Texas 269 Utah 260 Vermont 468 Virginia 292 Washington 247 West Virginia 359 Wisconsin 319 Wyoming 463
2015
Location Average Benchmark Premium
United States 276 Alabama 264 Alaska 488 Arizona 196 Arkansas 285 California 312 Colorado 308 Connecticut 353 Delaware 301 District of Columbia 244 Florida 282 Georgia 271 Hawaii 262 Idaho 281 Illinois 234 Indiana 323 Iowa 265 Kansas 228 Kentucky 266 Louisiana 325 Maine 321 Maryland 255 Massachusetts 261 Michigan 255 Minnesota 259 Mississippi 304 Missouri 284 Montana 239 Nebraska 296 Nevada 265 New Hampshire 250 New Jersey 316 New Mexico 198 New York 380 North Carolina 316 North Dakota 303 Ohio 269 Oklahoma 226 Oregon 223 Pennsylvania 235 Rhode Island 263 South Carolina 271 South Dakota 264 Tennessee 233 Texas 256 Utah 225 Vermont 468 Virginia 281 Washington 234 West Virginia 289 Wisconsin 306 Wyoming 438
2014
Location Average Benchmark Premium
United States 273 Alabama 256 Alaska 426 Arizona 202 Arkansas 294 California 300 Colorado 275 Connecticut 361 Delaware 289 District of Columbia 242 Florida 266 Georgia 291 Hawaii 183 Idaho 235 Illinois 227 Indiana 328 Iowa 253 Kansas 239 Kentucky 247 Louisiana 308 Maine 325 Maryland 220 Massachusetts 268 Michigan 254 Minnesota 182 Mississippi 378 Missouri 287 Montana 253 Nebraska 249 Nevada 267 New Hampshire 289 New Jersey 323 New Mexico 226 New York 343 North Carolina 298 North Dakota 284 Ohio 264 Oklahoma 213 Oregon 217 Pennsylvania 239 Rhode Island 293 South Carolina 271 South Dakota 286 Tennessee 197 Texas 248 Utah 220 Vermont 413 Virginia 272 Washington 285 West Virginia 281 Wisconsin 298 Wyoming 419
Notes
Premiums were analyzed using the second-lowest cost silver (benchmark) premium for a 40-year-old in each county and weighted by county plan selections, and may include premiums for non-Essential Health Benefits. 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.
Sources
KFF analysis of data from Healthcare.gov, state rate review websites, state plan finder tools, and state provided data.