{ "_note": "Benchmark (second-lowest-cost Silver plan, 'SLCSP') premium data used to size the premium tax credit. METHODOLOGY: the SLCSP public-use files give a reference premium for a 21-year-old non-tobacco enrollee per rating area; we scale each household member by the federal Default Standard Age Curve (`ageCurve`, fixed since plan year 2018) and sum, counting at most the three oldest children under 21 (federal family-premium rule). `slcsp21Monthly` is the monthly SLCSP premium for a single 21-year-old.", "_data_quality_warning": "All 50 states + DC now use 2026 KFF State Health Facts benchmark premiums (a plan-selection-weighted STATE AVERAGE), consistent across federal-platform and state-based-exchange states. These remain STATE AVERAGES \u2014 a specific county/rating area can differ \u2014 so approximate=true is kept until per-county data is wired in. NY and VT are community-rated (no age variation) and stored at the community rate. The CMS Marketplace Rate PUF (scripts/compute-slcsp.py) remains the path for future per-county granularity. The ageCurve is the real published federal curve.", "source": "KFF State Health Facts \u2014 Marketplace Average Benchmark Premiums, 2026 (second-lowest-cost Silver plan for a 40-year-old, plan-selection-weighted), converted to a 21-year-old reference via the federal age curve. Community-rated states (NY, VT) stored at the age-independent community rate.", "source_url": "https://www.kff.org/affordable-care-act/state-indicator/marketplace-average-benchmark-premiums/", "last_verified": "2026-06-12", "coverageYear": 2026, "nationalDefaultSlcsp21Monthly": 509, "ageCurve": { "_note": "Federal Default Standard Age Curve. 21 = 1.000, 64-and-older = 3.000 (the ACA 3:1 limit). Children 0-14 share one band (0.765); ages 15-20 are single-year bands. Source: CMS 'Final Guidance Regarding Age Curves and State Reporting' (2018+).", "source_url": "https://www.cms.gov/CCIIO/Resources/Regulations-and-Guidance/Downloads/Final-Guidance-Regarding-Age-Curves-and-State-Reporting-12-16-16.pdf", "under15": 0.765, "factors": { "15": 0.833, "16": 0.859, "17": 0.885, "18": 0.913, "19": 0.941, "20": 0.97, "21": 1.0, "22": 1.0, "23": 1.0, "24": 1.0, "25": 1.004, "26": 1.024, "27": 1.048, "28": 1.087, "29": 1.119, "30": 1.135, "31": 1.159, "32": 1.183, "33": 1.198, "34": 1.214, "35": 1.222, "36": 1.23, "37": 1.238, "38": 1.246, "39": 1.262, "40": 1.278, "41": 1.302, "42": 1.325, "43": 1.357, "44": 1.397, "45": 1.444, "46": 1.5, "47": 1.563, "48": 1.635, "49": 1.706, "50": 1.786, "51": 1.865, "52": 1.952, "53": 2.04, "54": 2.135, "55": 2.23, "56": 2.333, "57": 2.437, "58": 2.548, "59": 2.603, "60": 2.714, "61": 2.81, "62": 2.873, "63": 2.952 }, "over63": 3.0 }, "states": { "AL": { "name": "Alabama", "group": "48", "exchange": "FFM", "slcsp21Monthly": 505, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 645 }, "AK": { "name": "Alaska", "group": "AK", "exchange": "FFM", "slcsp21Monthly": 808, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 1032 }, "AZ": { "name": "Arizona", "group": "48", "exchange": "FFM", "slcsp21Monthly": 416, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 532 }, "AR": { "name": "Arkansas", "group": "48", "exchange": "FFM", "slcsp21Monthly": 606, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 774 }, "CA": { "name": "California", "group": "48", "exchange": "SBE", "slcsp21Monthly": 446, "approximate": true, "benchmark40Monthly": 570, "source": "kff_state_health_facts_2026" }, "CO": { "name": "Colorado", "group": "48", "exchange": "SBE", "slcsp21Monthly": 436, "approximate": true, "benchmark40Monthly": 557, "source": "kff_state_health_facts_2026" }, "CT": { "name": "Connecticut", "group": "48", "exchange": "SBE", "slcsp21Monthly": 681, "approximate": true, "benchmark40Monthly": 870, "source": "kff_state_health_facts_2026" }, "DE": { "name": "Delaware", "group": "48", "exchange": "FFM", "slcsp21Monthly": 541, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 691 }, "DC": { "name": "District of Columbia", "group": "48", "exchange": "SBE", "slcsp21Monthly": 477, "approximate": false, "singleRatingArea": true, "benchmark40Monthly": 610, "source": "kff_state_health_facts_2026" }, "FL": { "name": "Florida", "group": "48", "exchange": "FFM", "slcsp21Monthly": 534, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 683 }, "GA": { "name": "Georgia", "group": "48", "exchange": "SBE", "slcsp21Monthly": 481, "approximate": true, "benchmark40Monthly": 615, "source": "kff_state_health_facts_2026" }, "HI": { "name": "Hawaii", "group": "HI", "exchange": "FFM", "slcsp21Monthly": 423, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 541 }, "ID": { "name": "Idaho", "group": "48", "exchange": "SBE", "slcsp21Monthly": 383, "approximate": true, "benchmark40Monthly": 490, "source": "kff_state_health_facts_2026" }, "IL": { "name": "Illinois", "group": "48", "exchange": "SBE", "slcsp21Monthly": 505, "approximate": true, "benchmark40Monthly": 646, "source": "kff_state_health_facts_2026" }, "IN": { "name": "Indiana", "group": "48", "exchange": "FFM", "slcsp21Monthly": 371, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 474 }, "IA": { "name": "Iowa", "group": "48", "exchange": "FFM", "slcsp21Monthly": 392, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 501 }, "KS": { "name": "Kansas", "group": "48", "exchange": "FFM", "slcsp21Monthly": 524, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 670 }, "KY": { "name": "Kentucky", "group": "48", "exchange": "SBE", "slcsp21Monthly": 462, "approximate": true, "benchmark40Monthly": 590, "source": "kff_state_health_facts_2026" }, "LA": { "name": "Louisiana", "group": "48", "exchange": "FFM", "slcsp21Monthly": 505, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 646 }, "ME": { "name": "Maine", "group": "48", "exchange": "SBE", "slcsp21Monthly": 555, "approximate": true, "benchmark40Monthly": 709, "source": "kff_state_health_facts_2026" }, "MD": { "name": "Maryland", "group": "48", "exchange": "SBE", "slcsp21Monthly": 324, "approximate": true, "benchmark40Monthly": 414, "source": "kff_state_health_facts_2026" }, "MA": { "name": "Massachusetts", "group": "48", "exchange": "SBE", "slcsp21Monthly": 387, "approximate": true, "benchmark40Monthly": 494, "source": "kff_state_health_facts_2026" }, "MI": { "name": "Michigan", "group": "48", "exchange": "FFM", "slcsp21Monthly": 409, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 523 }, "MN": { "name": "Minnesota", "group": "48", "exchange": "SBE", "slcsp21Monthly": 351, "approximate": true, "benchmark40Monthly": 448, "source": "kff_state_health_facts_2026" }, "MS": { "name": "Mississippi", "group": "48", "exchange": "FFM", "slcsp21Monthly": 518, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 662 }, "MO": { "name": "Missouri", "group": "48", "exchange": "FFM", "slcsp21Monthly": 473, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 605 }, "MT": { "name": "Montana", "group": "48", "exchange": "FFM", "slcsp21Monthly": 541, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 692 }, "NE": { "name": "Nebraska", "group": "48", "exchange": "FFM", "slcsp21Monthly": 556, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 710 }, "NV": { "name": "Nevada", "group": "48", "exchange": "SBE", "slcsp21Monthly": 389, "approximate": true, "benchmark40Monthly": 497, "source": "kff_state_health_facts_2026" }, "NH": { "name": "New Hampshire", "group": "48", "exchange": "FFM", "slcsp21Monthly": 314, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 401 }, "NJ": { "name": "New Jersey", "group": "48", "exchange": "SBE", "slcsp21Monthly": 426, "approximate": true, "benchmark40Monthly": 545, "source": "kff_state_health_facts_2026" }, "NM": { "name": "New Mexico", "group": "48", "exchange": "SBE", "slcsp21Monthly": 487, "approximate": true, "benchmark40Monthly": 623, "source": "kff_state_health_facts_2026" }, "NY": { "name": "New York", "group": "48", "exchange": "SBE", "slcsp21Monthly": 817, "approximate": true, "note": "State-based exchange (NY State of Health); COMMUNITY-RATED \u2014 premiums do NOT vary by age, so the age curve does not apply in NY. A single statewide figure is actually accurate here. The engine treats NY as community-rated.", "benchmark40Monthly": 817, "source": "kff_state_health_facts_2026" }, "NC": { "name": "North Carolina", "group": "48", "exchange": "FFM", "slcsp21Monthly": 499, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 638 }, "ND": { "name": "North Dakota", "group": "48", "exchange": "FFM", "slcsp21Monthly": 446, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 570 }, "OH": { "name": "Ohio", "group": "48", "exchange": "FFM", "slcsp21Monthly": 401, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 513 }, "OK": { "name": "Oklahoma", "group": "48", "exchange": "FFM", "slcsp21Monthly": 473, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 604 }, "OR": { "name": "Oregon", "group": "48", "exchange": "SBE", "slcsp21Monthly": 425, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 543 }, "PA": { "name": "Pennsylvania", "group": "48", "exchange": "SBE", "slcsp21Monthly": 448, "approximate": true, "benchmark40Monthly": 572, "source": "kff_state_health_facts_2026" }, "RI": { "name": "Rhode Island", "group": "48", "exchange": "SBE", "slcsp21Monthly": 396, "approximate": false, "singleRatingArea": true, "benchmark40Monthly": 506, "source": "kff_state_health_facts_2026" }, "SC": { "name": "South Carolina", "group": "48", "exchange": "FFM", "slcsp21Monthly": 441, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 564 }, "SD": { "name": "South Dakota", "group": "48", "exchange": "FFM", "slcsp21Monthly": 513, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 655 }, "TN": { "name": "Tennessee", "group": "48", "exchange": "FFM", "slcsp21Monthly": 556, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 711 }, "TX": { "name": "Texas", "group": "48", "exchange": "FFM", "slcsp21Monthly": 517, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 661 }, "UT": { "name": "Utah", "group": "48", "exchange": "FFM", "slcsp21Monthly": 501, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 640 }, "VT": { "name": "Vermont", "group": "48", "exchange": "SBE", "slcsp21Monthly": 1299, "approximate": false, "singleRatingArea": true, "note": "State-based exchange (Vermont Health Connect); COMMUNITY-RATED \u2014 premiums do NOT vary by age, and VT has a single statewide rating area. The engine treats VT as community-rated.", "benchmark40Monthly": 1299, "source": "kff_state_health_facts_2026" }, "VA": { "name": "Virginia", "group": "48", "exchange": "SBE", "slcsp21Monthly": 356, "approximate": true, "benchmark40Monthly": 455, "source": "kff_state_health_facts_2026" }, "WA": { "name": "Washington", "group": "48", "exchange": "SBE", "slcsp21Monthly": 479, "approximate": true, "benchmark40Monthly": 612, "source": "kff_state_health_facts_2026" }, "WV": { "name": "West Virginia", "group": "48", "exchange": "FFM", "slcsp21Monthly": 840, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 1073 }, "WI": { "name": "Wisconsin", "group": "48", "exchange": "FFM", "slcsp21Monthly": 478, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 611 }, "WY": { "name": "Wyoming", "group": "48", "exchange": "FFM", "slcsp21Monthly": 853, "approximate": true, "source": "kff_state_health_facts_2026", "benchmark40Monthly": 1090 } }, "communityRatedStates": [ "NY", "VT" ] }