Health Insurance Cost Calculators

Every state page now starts from a plan-year 2026 second-lowest-cost Silver benchmark for one age-40, non-tobacco, on-exchange enrollee — never from the old cost-of-living multiplier. 30 states (Alabama, Alaska, Arizona, Arkansas, Delaware, Florida, Hawaii, Indiana, Iowa, Kansas, Louisiana, Michigan, Mississippi, Missouri, Montana, Nebraska, New Hampshire, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, South Carolina, South Dakota, Tennessee, Texas, Utah, West Virginia, Wisconsin, and Wyoming) are derived from CMS's official Rate and Plan Attributes PUFs; each page shows the state benchmark and its rating-area range.

The other 20 state-based-marketplace pages use KFF's published county-plan-selection-weighted 2026 benchmark. KFF does not publish the underlying weights or rating-area ranges, so those pages are explicitly labeled modeled rather than official.

Age, county, tobacco use, insurer, and covered family members can materially change the real premium. Because federal law permits state-specific age curves, this site does not apply one nationwide age multiplier. Replace the editable default with your household's actual SLCSP before relying on a subsidy estimate. Recheck all sources by 2026-11-15.