Health Insurance by State

AL

Alabama

~$498/mo individual. No Medicaid expansion; coverage gap affects 300,000+ adults.

AK

Alaska

~$762/mo individual. Highest premiums nationally; reinsurance program helps moderate costs.

AZ

Arizona

~$442/mo individual. Expanded Medicaid (AHCCCS) since 2013; competitive metro markets.

AR

Arkansas

~$458/mo individual. Unique ARHOME private-option Medicaid expansion model.

CA

California

~$512/mo individual. Covered California; state subsidies above federal; Medi-Cal for all.

CO

Colorado

~$468/mo individual. Connect for Health CO; reinsurance program; public option in development.

CT

Connecticut

~$522/mo individual. Access Health CT; long history of coverage expansion.

DE

Delaware

~$482/mo individual. Expanded Medicaid; small marketplace with limited insurer competition.

FL

Florida

~$478/mo individual. Largest uninsured population; no Medicaid expansion; 3M+ marketplace enrollees.

GA

Georgia

~$462/mo individual. Partial Medicaid expansion (Pathways) with work requirements.

HI

Hawaii

~$412/mo individual. Unique employer mandate since 1974; lowest uninsured rate nationally.

ID

Idaho

~$448/mo individual. Your Health Idaho; voter-approved Medicaid expansion 2020.

IL

Illinois

~$488/mo individual. GetCoveredIllinois.gov; All Kids universal child coverage program.

IN

Indiana

~$452/mo individual. Healthy Indiana Plan (HIP) waiver-based Medicaid expansion.

IA

Iowa

~$458/mo individual. Expanded Medicaid; rural counties may have limited insurer options.

KS

Kansas

~$462/mo individual. No Medicaid expansion; 130,000+ in coverage gap.

KY

Kentucky

~$448/mo individual. kynect marketplace; uninsured rate dropped from 20% to 6% after expansion.

LA

Louisiana

~$468/mo individual. Expanded Medicaid 2016; 500,000+ newly covered.

ME

Maine

~$478/mo individual. Voter-approved Medicaid expansion 2019; reinsurance program.

MD

Maryland

~$495/mo individual. Maryland Health Connection; reinsurance reduced premiums ~30%.

MA

Massachusetts

~$508/mo individual. Template for ACA; state individual mandate; 3% uninsured rate.

MI

Michigan

~$465/mo individual. Healthy Michigan Plan with healthy behaviors incentives.

MN

Minnesota

~$472/mo individual. MNsure; MinnesotaCare fills gap between Medicaid and marketplace.

MS

Mississippi

~$472/mo individual. No Medicaid expansion; among highest uninsured rates nationally.

MO

Missouri

~$462/mo individual. Voter-approved Medicaid expansion 2020; 275,000+ newly covered.

MT

Montana

~$455/mo individual. Expanded Medicaid 2015; rural counties may have one insurer.

NE

Nebraska

~$458/mo individual. Voter-approved Medicaid expansion 2020; rural insurer challenges.

NV

Nevada

~$452/mo individual. Nevada Health Link; public option legislation passed.

NH

New Hampshire

~$468/mo individual. Premium assistance Medicaid expansion; strong southern NH market.

NJ

New Jersey

~$505/mo individual. Get Covered NJ; state individual mandate restored; state subsidies to 600% FPL.

NM

New Mexico

~$445/mo individual. beWellnm; Basic Health Program fills gap; among lowest-cost markets.

NY

New York

~$518/mo individual. NY State of Health; Essential Plan near-free for 100-200% FPL.

NC

North Carolina

~$462/mo individual. Medicaid expanded December 2023; 600,000 newly eligible.

ND

North Dakota

~$448/mo individual. Expanded Medicaid 2014; oil sector provides employer coverage.

OH

Ohio

~$462/mo individual. Expanded Medicaid 2013 via executive action; 700,000+ covered.

OK

Oklahoma

~$455/mo individual. Voter-approved Medicaid expansion 2021 (50.5% vote).

OR

Oregon

~$468/mo individual. Oregon Health Plan covers immigrants regardless of status.

PA

Pennsylvania

~$488/mo individual. Pennie state marketplace; CHIP to 314% FPL.

RI

Rhode Island

~$492/mo individual. HealthSource RI; strong small-state marketplace management.

SC

South Carolina

~$468/mo individual. No Medicaid expansion; 185,000+ in coverage gap.

SD

South Dakota

~$448/mo individual. Medicaid expanded July 2023 via voter approval; 42,000 newly covered.

TN

Tennessee

~$462/mo individual. No Medicaid expansion; marketplace stability crisis in 2016-2017.

TX

Texas

~$472/mo individual. Highest uninsured rate nationally; no expansion; 3M+ marketplace enrollees.

UT

Utah

~$448/mo individual. Medicaid expanded 2020 after contentious voter/legislature process.

VT

Vermont

~$562/mo individual. Highest premiums after Alaska; attempted single-payer in 2011.

VA

Virginia

~$475/mo individual. Bipartisan Medicaid expansion 2019; 400,000 newly covered.

WA

Washington

~$478/mo individual. Cascade Care public option; Apple Health covers immigrants.

WV

West Virginia

~$452/mo individual. Expansion cut uninsured rate from 20% to 7%; strong behavioral health coverage.

WI

Wisconsin

~$468/mo individual. Partial expansion to 100% FPL; 100-138% FPL uses marketplace.

WY

Wyoming

~$588/mo individual. Single insurer; among highest premiums; no Medicaid expansion.