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Mapped: Health Insurance Costs by U.S. State in 2026
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Key Takeaways
- Vermont has the highest health insurance costs in America, averaging $1,224 per month for a Silver plan on the Affordable Care Act marketplace.
- In 2026, the U.S. average monthly premium under these plans is $752, up 21% since 2025.
- Nearly 3 in 10 Americans (29%) already cite cost as the nation’s leading healthcare problem.
Health insurance costs are rising across the United States in 2026, as enhanced Affordable Care Act (ACA) subsidies expire and insurers raise premiums to keep up with higher healthcare costs.
This graphic shows the average health insurance cost on the ACA marketplace in 2026, based on data from ValuePenguin.
Vermont: Highest Average Health Insurance Cost in U.S.
In 2025, 56% of enrollees on the ACA marketplace chose Silver plans, which balance moderate premiums with moderate out-of-pocket costs.
Below, we show the average monthly Silver plan premiums for a 40-year-old. In 2026, the U.S. average monthly cost rose by 21% year-over-year to reach $752.
| Rank | State | Average Monthly HealthInsurance Cost 2026 | Annual Change |
|---|---|---|---|
| 1 | Vermont | $1,224 | 6% |
| 2 | Wyoming | $1,119 | 25% |
| 3 | West Virginia | $1,093 | 14% |
| 4 | New York | $1,090 | 5% |
| 5 | Alaska | $1,037 | -5% |
| 6 | Nebraska | $960 | 29% |
| 7 | Illinois | $888 | 30% |
| 8 | Florida | $859 | 33% |
| 9 | Connecticut | $859 | 21% |
| 10 | Louisiana | $827 | 26% |
| 11 | Texas | $826 | 35% |
| 12 | Arkansas | $823 | 67% |
| 13 | Utah | $821 | 22% |
| 14 | New Mexico | $800 | 26% |
| 15 | North Carolina | $800 | 21% |
| 16 | Nevada | $792 | 34% |
| 17 | Kansas | $787 | 23% |
| 18 | Tennessee | $775 | 39% |
| 19 | Maine | $771 | 24% |
| 20 | Montana | $763 | 20% |
| 21 | Washington | $761 | 40% |
| 22 | Delaware | $759 | 31% |
| 23 | Mississippi | $756 | 42% |
| 24 | Pennsylvania | $750 | 23% |
| 25 | Missouri | $742 | 20% |
| 26 | Oklahoma | $739 | 23% |
| 27 | South Dakota | $734 | 6% |
| 28 | Georgia | $729 | 32% |
| 29 | California | $728 | 11% |
| 30 | Massachusetts | $725 | 10% |
| 31 | Wisconsin | $722 | 19% |
| 32 | Michigan | $719 | 28% |
| 33 | Colorado | $703 | 27% |
| 34 | North Dakota | $700 | 12% |
| 35 | Alabama | $691 | 23% |
| 36 | Arizona | $685 | 29% |
| 37 | New Jersey | $669 | 15% |
| 38 | Kentucky | $662 | 23% |
| 39 | South Carolina | $657 | 22% |
| 40 | Oregon | $643 | 5% |
| 41 | Ohio | $635 | 18% |
| 42 | Iowa | $624 | 23% |
| 43 | Washington, D.C. | $618 | 8% |
| 44 | Rhode Island | $589 | 23% |
| 45 | Hawaii | $583 | 11% |
| 46 | Indiana | $558 | 29% |
| 47 | Minnesota | $556 | 23% |
| 48 | Idaho | $537 | 10% |
| 49 | Virginia | $514 | 22% |
| 50 | New Hampshire | $491 | 32% |
| 51 | Maryland | $480 | 16% |
| U.S. Average | $752 | 21% |
Vermont residents face the steepest monthly premiums, averaging $1,224 in 2026.
Going further, Vermonters spend 19.6% of their income on healthcare, more than double the U.S. average of 7.9%. Driving up premiums are higher hospital costs, years of underfunding, and a high volume of emergency room visits due to a lack of options.
Wyoming and West Virginia follow next in line, with average monthly premiums of $1,119 and $1,093, respectively. Both states also saw double-digit increases in annual premiums.
Overall, Arkansas premiums climbed 65% annually, the fastest rate in the country. Meanwhile, Alaska is the sole state to see premiums decline over the year.
At the lowest end of the spectrum is Maryland, with $480 in average premiums. Also ranking at the bottom are New Hampshire ($491), Virgina ($514), and Idaho ($537).
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