Health Insurance Costs for 2026 Mapped for Every U.S. State
Health insurance premiums are rising across America. A new 2026 forecast maps the costs in every state. This data provides a clear snapshot for consumers.
The national average is projected to hit $752 per month. This marks a sharp 21% increase from 2025. Two main factors are driving prices upward.
First, enhanced Affordable Care Act subsidies have expired. Second, insurers are raising premiums. They are adjusting to higher overall healthcare costs.
States With the Highest Premiums
Vermont tops the list with an average of $1,224 monthly. Several key factors explain this high cost. The state has higher hospital prices and years of underfunding.
Furthermore, a lack of options leads to more emergency room visits. As a result, Vermonters spend over double the national share of income on care.
Wyoming and West Virginia follow closely behind. Their average premiums are $1,119 and $1,093, respectively. Both states also experienced double-digit percentage increases.
States With the Lowest Premiums
Maryland has the most affordable average premium at $480. New Hampshire and Virginia are next, with costs of $491 and $514. These states benefit from more competitive insurance markets.
However, costs are rising almost everywhere. For example, Arkansas saw the nation’s fastest hike at 65%. Alaska was the sole exception, with a 5% decrease.
Understanding these trends helps you prepare. Always compare plans during Open Enrollment. Look closely at deductibles and networks, not just the monthly premium.
