Each one carries the published 2026 benchmark premium for that state, the average rate increase insurers have filed for 2027, whether the state runs its own exchange or uses HealthCare.gov, any state-funded subsidy that replaces part of the lapsed federal credits, and the licence number under which Austin Olivier is authorised to transact there.

If your state is not listed

Then this agency is not licensed there and cannot sell you a policy. The calculator and the premium map still cover all fifty states and DC, and you are welcome to use them. If you call, you will get an honest referral rather than a runaround.

State	Exchange	2026 benchmark	Proposed 2027	2027 projected
Alabama	HealthCare.gov	$645	+20.2%	$775
Arizona	HealthCare.gov	$532	+29.0%	$686
Arkansas	HealthCare.gov	$774	+7.6%	$833
California	State-based	$570	+9.9%	$626
Colorado	State-based	$557	+11.0%	$618
Delaware	HealthCare.gov	$691	+16.9%	$808
Florida	HealthCare.gov	$683	+15.9%	$792
Georgia	State-based	$615	+20.7%	$742
Illinois	State-based	$646	+14.1%	$737
Indiana	HealthCare.gov	$474	+19.3%	$565
Iowa	HealthCare.gov	$501	+6.7%	$535
Kansas	HealthCare.gov	$670	+24.2%	$832
Kentucky	State-based	$590	+18.7%	$700
Louisiana	HealthCare.gov	$646	+17.3%	$758
Maryland	State-based	$414	+13.7%	$471
Michigan	HealthCare.gov	$523	+14.2%	$597
Missouri	HealthCare.gov	$605	+12.5%	$681
Montana	HealthCare.gov	$692	+23.4%	$854
Nebraska	HealthCare.gov	$710	+13.3%	$804
Nevada	State-based	$497	+18.6%	$589
New Jersey	State-based	$545	+20.4%	$656
North Carolina	HealthCare.gov	$638	+14.9%	$733
Ohio	HealthCare.gov	$513	+10.7%	$568
Oklahoma	HealthCare.gov	$604	+20.2%	$726
South Carolina	HealthCare.gov	$564	+17.5%	$663
South Dakota	HealthCare.gov	$655	+10.9%	$726
Tennessee	HealthCare.gov	$711	+12.7%	$801
Texas	HealthCare.gov	$661	+13.1%	$748
Utah	HealthCare.gov	$640	+6.8%	$684
Virginia	State-based	$455	+19.0%	$541
West Virginia	HealthCare.gov	$1,073	+18.3%	$1,269
Wisconsin	HealthCare.gov	$611	+21.1%	$740
Wyoming	HealthCare.gov	$1,090	+11.3%	$1,213

2026 benchmarks are published KFF figures. 2027 columns are proposed rate filings and projections built from them, not approved rates.

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