Washington, D.C. has the highest average monthly premium for ACA enrollees who received advance premium tax credits in 2026, while Texas has the lowest, according to a KFF analysis.
After enhanced premium tax credits expired at the end of 2025, individuals with income 100%-400% FPL are eligible for APTCs. The figures below reflect per-person costs after federal subsidies are applied and cover only those who received an APTC for 2026 coverage. State-specific subsidies may not be reflected in the data.
States ranked by average monthly premium for ACA subsidy recipients in 2026:
- District of Columbia: $398
- New York: $376
- Minnesota: $284
- Oregon: $253
- Hawaii: $243
- Massachusetts: $219
- New Hampshire: $200
- New Mexico: $196
- Colorado: $187
- New Jersey: $185
- Vermont: $183
- Maryland: $181
- Maine: $178
- Delaware: $172
- Kentucky: $168
- Rhode Island: $166
- California: $165
- Nevada: $148
- Washington: $146
- Pennsylvania: $145
- Illinois: $142
- Indiana: $137
- Iowa: $134
- Arizona: $133
- Ohio: $131
- Michigan: $127
- North Dakota: $126
- Virginia: $124
- Wisconsin: $123
- Nebraska: $120
- South Dakota: $118
- Alaska: $114
- Idaho: $108
- Montana: $107
- Connecticut: $100
- Oklahoma: $98
- North Carolina: $97
- Mississippi: $94
- Missouri: $90
- Georgia: $89
- Wyoming: $88
- Louisiana: $82
- Kansas: $80
- West Virginia: $80
- Arkansas: $79
- South Carolina: $76
- Alabama: $70
- Utah: $68
- Tennessee: $67
- Florida: $62
- Texas: $41
At the Becker's 5th Annual Fall Payer Issues Roundtable, taking place November 2–3 in Chicago, payer executives and healthcare leaders will come together to discuss value-based care, regulatory changes, cost management strategies and innovations shaping the future of payer-provider collaboration. Apply for complimentary registration now.
