Every state's marketplace is different — different carriers, different prices, different rules. All 23 states we serve now have a 2026 cost guide — real figures from public rate filings on what people actually pay, written by a licensed agent.
Blue Cross wins on price in nearly every county, but Oscar's 2026 arrival makes it a four-carrier race. 91% of enrollees pay ~$126/mo after subsidies. Read the Alabama guide →
Rates spiked and BCBSAZ went HMO-only, but Imperial still sells silver from ~$438 in Tucson and AHCCCS covers to 138% of poverty year-round. Read the Arizona guide →
Arkansas inflates silver on purpose, so bronze (~$447 via Octave) and gold often beat it after subsidies — and ARHOME delivers Medicaid through marketplace plans. Read the Arkansas guide →
The nation's biggest marketplace. Ambetter, Health First, and Florida Blue lead on price — and premiums roughly doubled for subsidized enrollees this year. Read the Florida guide →
Georgia Access replaced HealthCare.gov, and 89% of enrollees get subsidies averaging $688/month. The carrier spread tops $540/month. Read the Georgia guide →
One of the cheapest silver markets we serve — and no silver-load games, since Indiana spreads CSR costs across all tiers. HIP covers adults to 138% of poverty. Read the Indiana guide →
A tight three-way race at the bottom (Oscar $452, Ambetter $459, Wellmark $487), Avera new for 2026, Medica leaving after it. Read the Iowa guide →
One carrier cut rates while Ambetter jumped 33.7% — so 2025's cheapest is 2026's trap. Oscar leads KC (~$565), Ambetter leads Wichita. No Medicaid expansion. Read the Kansas guide →
Kentucky's own exchange, three all-HMO carriers, and a WellCare-vs-Anthem call where an $82 premium gap buys a $2,700 lower deductible. Read the Kentucky guide →
Christus sells silver at ~$611 while the statewide Blue PPO runs ~$1,049 — and Ambetter reaches only 22 of 64 parishes. A third of enrollees pay under $10. Read the Louisiana guide →
Seven carriers remain after three exits; Oscar held its increase to +9.3% while the Blues took 23–24%. Healthy Michigan covers adults to 138% of poverty. Read the Michigan guide →
Stickers rose 43.4% and Molina repriced 60%, but new entrant Oscar sells silver at ~$630 and 26% of enrollees pay under $10. No Medicaid expansion. Read the Mississippi guide →
Oscar leads at ~$620, BCBS-KC actually cut rates 4.1%, and voter-approved expansion covers adults to 138% of poverty. A different winner in every metro. Read the Missouri guide →
The CO-OP and Blue Cross differ by $1 in premium and $2,115 in deductible — and PacificSource leaves after 2026. Expansion is now permanent. Read the Montana guide →
The deepest lineup anywhere plus a brand-new public option (Battle Born plans) and reinsurance. SelectHealth leads at ~$517. Read the Nevada guide →
The lowest silver price — and lowest deductible ($1,714) — of all 23 states we serve, but lean subsidies mean stickers matter here. Read the New Hampshire guide →
Rates jumped, but NC's 2023 Medicaid expansion gives lower-income households a safety valve. Blue Cross NC covers all 100 counties. Read the North Carolina guide →
Reinsurance, a stable three-carrier field, Sanford silver at ~$484 — and benchmark benefits that now cover weight-loss meds and cap insulin costs. Read the North Dakota guide →
CommunityCare pairs the cheapest silver with a +7.9% increase while Medica and Mending exit after 2026 — and SoonerCare expansion covers adults to 138% of poverty. Read the Oklahoma guide →
Jefferson (~$488) rules the southeast, UPMC the west — and every uninsured child in PA can get CHIP regardless of income. Read the Pennsylvania guide →
All six carriers returned, BCBS pairs the cheapest silver (~$550) with the smallest increase, and 30% pay under $10 — but no Medicaid expansion. Read the South Carolina guide →
A new state rule loads 40% onto silver plans, making gold the sleeper pick in much of the state. Cheapest silvers start near $540. Read the Texas guide →
Virginia's own marketplace, expanded Medicaid, and some of the lowest silver prices of any state we serve. The Sentara-vs-Kaiser call is the key decision. Read the Virginia guide →
Licensed in 23 states: AL, AR, AZ, FL, GA, IN, IA, KS, KY, LA, MI, MS, MO, MT, NV, NH, NC, ND, OK, PA, SC, TX, VA — with a 2026 cost guide for every one of them above.
Skip the research. A licensed agent can compare every 2026 plan filed in your county for your exact age, household, and income — free, in about 10 minutes.
No cost. No pressure. No obligation to enroll.
Important: These guides are for general information and reflect approximate 2026 figures from public sources; they are not quotes, and submitting information or speaking with a licensed insurance agent does not guarantee enrollment, eligibility, savings, approval, or specific benefits. There is no obligation to enroll. Smooth Health Solutions is not connected with or endorsed by the U.S. government, the federal Medicare program, CMS, HealthCare.gov, or any state marketplace or government agency. Plan availability, benefits, premiums, and eligibility vary by plan, carrier, location, and individual circumstances.