Health insurance costs without a subsidy, by state and county (2026)

Full-price 2026 benchmark silver premiums for 2,055 counties across 30 states, sourced from the CMS PY2026 QHP Landscape. These are the sticker prices households above the 400% federal poverty level pay in 2026 — with no premium tax credit — after the enhanced ARP/IRA subsidies expire.

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State	Counties	Cheapest benchmark	Priciest benchmark
Alabama	67	$597.95 — Greene	$686.28 — Lee
Alaska	30	$1003.48 — Haines	$1055.75 — Aleutians East
Arizona	15	$448.94 — Pima	$1048.46 — Apache
Arkansas	75	$773.96 — Arkansas	$773.96 — Arkansas
Delaware	3	$691.70 — Kent	$691.70 — Kent
Florida	67	$571.85 — Brevard	$1277.62 — Monroe
Hawaii	5	$543.06 — Hawaii	$543.06 — Hawaii
Indiana	92	$446.14 — Daviess	$515.75 — Adams
Iowa	99	$452.73 — Plymouth	$620.90 — Pocahontas
Kansas	105	$579.41 — Johnson	$958.62 — Wallace
Louisiana	64	$561.86 — Bossier	$800.63 — Avoyelles
Michigan	83	$388.03 — Genesee	$910.03 — Alger
Mississippi	82	$602.32 — DeSoto	$708.60 — Adams
Missouri	115	$531.51 — Franklin	$790.59 — Clark
Montana	56	$561.45 — Carbon	$757.00 — Broadwater
Nebraska	93	$641.88 — Burt	$834.38 — Arthur
New Hampshire	10	$388.42 — Belknap	$439.91 — Carroll
North Carolina	100	$545.64 — Davidson	$844.92 — Beaufort
North Dakota	53	$456.26 — Burleigh	$639.29 — Adams
Ohio	88	$483.07 — Butler	$668.80 — Knox
Oklahoma	77	$564.27 — Tulsa	$817.70 — Cimarron
Oregon	36	$510.49 — Clackamas	$626.00 — Baker
South Carolina	46	$460.78 — Abbeville	$664.65 — Anderson
South Dakota	66	$514.37 — Lincoln	$774.01 — Bennett
Tennessee	95	$654.32 — Fayette	$793.80 — Cannon
Texas	254	$563.51 — Cottle	$962.55 — Callahan
Utah	29	$573.56 — Davis	$1014.48 — Sanpete
West Virginia	55	$944.25 — Berkeley	$1174.56 — Cabell
Wisconsin	72	$542.15 — Brown	$777.50 — Ashland
Wyoming	23	$1027.31 — Laramie	$1104.03 — Albany