State coverage guides
Individual health coverage options,
by state.
ACA benchmark premiums, subsidy thresholds, and Health Share costs vary by state. Each guide covers what coverage actually costs where you live, with data sourced from KFF.org.
7 launch states
Texas
Largest uninsured individual market in the US. No state mandate. Very high unsubsidized premiums.
2025 benchmark
$489/mo
Typical Health Share
$230/mo
Florida
Large individual market with high self-employed rate and significant early retiree population aged 55–64.
2025 benchmark
$515/mo
Typical Health Share
$230/mo
Georgia
Fast-growing individual market with high rural unsubsidized premiums and strong DPC presence.
2025 benchmark
$493/mo
Typical Health Share
$230/mo
Tennessee
No mandate, high rural ACA premiums, Nashville healthcare hub, and strong Health Share awareness.
2025 benchmark
$516/mo
Typical Health Share
$230/mo
North Carolina
Large population, significant gig economy segment, no mandate, and high benchmark premiums.
2025 benchmark
$507/mo
Typical Health Share
$230/mo
Indiana
Very Health Share-friendly state with a large workforce transitioning off employer coverage.
2025 benchmark
$382/mo
Typical Health Share
$230/mo
Ohio
Medicaid expansion state. Significant enrollment drop in 2026. Alternatives competitive for residents above the subsidy cliff.
2026 benchmark
$513/mo
Typical Health Share
$230/mo
Kansas
No Medicaid expansion. All marketplace plans are narrow-network EPO — no PPO available. Alternatives especially relevant for rural residents and those above the subsidy cliff.
2026 benchmark
$670/mo
Typical Health Share
$230/mo
Arizona
Medicaid expansion state. Aetna exited; BCBSAZ dropped all PPOs — HMO plans only on-exchange. 36.1% weighted avg rate increase in 2026. Strong self-employed and remote worker population.
2026 benchmark
$532/mo
Typical Health Share
$230/mo
What each state guide covers
2025 ACA benchmark premiums sourced from KFF.org
Cost comparison at multiple income levels
Subsidy cliff — what happens above 400% FPL
Health share options available in that state
Direct primary care availability
AEO FAQ section with state-specific answers
About this data
All benchmark premiums are 2025 figures for a 40-year-old, sourced from KFF.org. Note: 2026 premiums increased an average of 26% nationally following the expiration of enhanced premium tax credits. View current KFF data →
States not covered
This site focuses on states without an active individual mandate and with high unsubsidized ACA premiums — where alternatives to ACA plans are most relevant. States with their own mandates and heavily subsidized markets (California, New York, Massachusetts, New Jersey, and others) are not covered.
Questions about state health coverage guides
Why do ACA premiums vary by state?
ACA premiums are set by insurers operating in each state’s marketplace and approved by state regulators. Factors include local healthcare costs, the mix of insurers in the market, and the health of the enrolled population. States with fewer insurers competing on the exchange tend to have higher premiums.
What is the benchmark premium and why does it matter?
The benchmark premium is the cost of the second-lowest-cost silver plan in a given market. It matters because ACA subsidies are calculated based on the benchmark premium — your premium tax credit equals the difference between the benchmark and a set percentage of your income. KFF.org tracks benchmark premiums by state and county each year.
Are Health Shares available in all states?
Most Health Sharing Ministries operate nationally and are available in all 50 states. A small number of states have additional disclosure requirements for Health Shares, but none of the seven states covered on this site impose restrictions that would limit Health Share availability.
How often are the state guides updated?
ACA benchmark premiums are released each fall during open enrollment. This site updates all state guides in November when new premium data becomes available from KFF.org. Health share cost estimates are reviewed and updated at the same time.
Where does the benchmark premium data come from?
All ACA benchmark premium data is sourced from the Kaiser Family Foundation (KFF.org), which tracks marketplace premiums by state, county, age, and plan tier each year. KFF is a nonpartisan health policy research organization. Every figure on this site links directly to its KFF source.