What does our 2026 Silver rate snapshot show across 30 states?

In this committed snapshot, the age-40 Silver rate-row median ranges from $449.52 per month in NH to $1,107.74 in WY: a $658.22 spread. This compares stored rate-row summaries, not what an average resident pays, current enrollment availability or savings from leaving COBRA.

Coverage year: 2026. Snapshot analysis prepared October 15, 2026. That is an analysis date, not a new source import or verification date. State-run-exchange data and benchmark fallbacks are excluded from this comparison.

What can you use this for?

Use the rows to inspect how this stored catalog differs across states and to reproduce the reported spread. Do not use a state median to price a household or decide whether COBRA costs less. For that decision, you need the actual COBRA premium, ZIP, ages, income, coverage options and benefits.

Compare your own COBRA premium

How were the numbers produced?

The existing extraction script joins plan and rate tables, selects Silver rate rows at each age, sorts the rates and stores their median and minimum by state. This page selects the 30 states in the repository federal-marketplace roster and subtracts the smallest age-40 median from the largest. It does not average state medians into a national statistic.

The SQL does not apply enrollment weights or choose one representative household or ZIP. Repeated rate rows, rating-area coverage and the extraction filters can affect the median. The raw rate rows and import timestamp are not included in the committed snapshot, so this download reproduces the derived comparison, not the original CMS-to-database extraction.

Source role: CMS public-use files are the underlying filed-data reference for federal-marketplace rates. This is a site-derived snapshot, not a CMS-published state ranking. CMS updates and plan withdrawals can make a historical catalog differ from current availability.

Inspect every included state

USD per month before any household-specific subsidy. Each value describes rate rows in the stored extraction.

AK

Age-40 Silver median: $1,039.25/month
Age-40 Silver minimum: $984.24/month
Age-60 Silver median: $2,207.51/month

AL

Age-40 Silver median: $688.13/month
Age-40 Silver minimum: $583.09/month
Age-60 Silver median: $1,461.33/month

AR

Age-40 Silver median: $828.07/month
Age-40 Silver minimum: $752.74/month
Age-60 Silver median: $1,758.52/month

AZ

Age-40 Silver median: $593.54/month
Age-40 Silver minimum: $437.75/month
Age-60 Silver median: $1,260.46/month

DE

Age-40 Silver median: $762.48/month
Age-40 Silver minimum: $685.23/month
Age-60 Silver median: $1,619.22/month

FL

Age-40 Silver median: $788.81/month
Age-40 Silver minimum: $554.22/month
Age-60 Silver median: $1,675.14/month

HI

Age-40 Silver median: $551.23/month
Age-40 Silver minimum: $532.95/month
Age-60 Silver median: $1,170.62/month

IA

Age-40 Silver median: $559.47/month
Age-40 Silver minimum: $451.56/month
Age-60 Silver median: $1,188.11/month

IN

Age-40 Silver median: $565.79/month
Age-40 Silver minimum: $440.02/month
Age-60 Silver median: $1,201.54/month

KS

Age-40 Silver median: $743.14/month
Age-40 Silver minimum: $565.02/month
Age-60 Silver median: $1,578.15/month

LA

Age-40 Silver median: $770.65/month
Age-40 Silver minimum: $542.04/month
Age-60 Silver median: $1,636.57/month

MI

Age-40 Silver median: $684.58/month
Age-40 Silver minimum: $384.98/month
Age-60 Silver median: $1,453.79/month

MO

Age-40 Silver median: $719.01/month
Age-40 Silver minimum: $523.28/month
Age-60 Silver median: $1,526.91/month

MS

Age-40 Silver median: $705.43/month
Age-40 Silver minimum: $598.14/month
Age-60 Silver median: $1,498.06/month

MT

Age-40 Silver median: $747.00/month
Age-40 Silver minimum: $550.61/month
Age-60 Silver median: $1,586.00/month

NC

Age-40 Silver median: $758.07/month
Age-40 Silver minimum: $540.11/month
Age-60 Silver median: $1,609.87/month

ND

Age-40 Silver median: $628.26/month
Age-40 Silver minimum: $438.56/month
Age-60 Silver median: $1,334.19/month

NE

Age-40 Silver median: $862.14/month
Age-40 Silver minimum: $640.10/month
Age-60 Silver median: $1,830.86/month

NH

Age-40 Silver median: $449.52/month
Age-40 Silver minimum: $388.00/month
Age-60 Silver median: $954.61/month

OH

Age-40 Silver median: $617.49/month
Age-40 Silver minimum: $481.93/month
Age-60 Silver median: $1,311.32/month

OK

Age-40 Silver median: $684.00/month
Age-40 Silver minimum: $561.23/month
Age-60 Silver median: $1,452.57/month

OR

Age-40 Silver median: $622.50/month
Age-40 Silver minimum: $505.35/month
Age-60 Silver median: $1,321.00/month

SC

Age-40 Silver median: $636.11/month
Age-40 Silver minimum: $455.77/month
Age-60 Silver median: $1,350.87/month

SD

Age-40 Silver median: $703.01/month
Age-40 Silver minimum: $511.88/month
Age-60 Silver median: $1,492.92/month

TN

Age-40 Silver median: $771.20/month
Age-40 Silver minimum: $646.11/month
Age-60 Silver median: $1,637.74/month

TX

Age-40 Silver median: $761.97/month
Age-40 Silver minimum: $539.67/month
Age-60 Silver median: $1,618.15/month

UT

Age-40 Silver median: $732.25/month
Age-40 Silver minimum: $559.31/month
Age-60 Silver median: $1,485.27/month

WI

Age-40 Silver median: $678.92/month
Age-40 Silver minimum: $525.67/month
Age-60 Silver median: $1,441.77/month

WV

Age-40 Silver median: $1,099.96/month
Age-40 Silver minimum: $911.18/month
Age-60 Silver median: $2,335.90/month

WY

Age-40 Silver median: $1,107.74/month
Age-40 Silver minimum: $1,026.28/month
Age-60 Silver median: $2,352.43/month

Download and reproduce

Download the 30-row CSV. Sort the age-40 median column and subtract the first value from the last. The page and download are generated from the same committed JSON.

CSV SHA-256: 0b42c6a247581dee9ea2b44b916c0d49f9ae992e82976dcb34605dc3ecde31df

For a true job-loss savings study we would need raw source files with versions and hashes, documented rating-area/tobacco/plan-variant filters, an explicit sampling or weighting rule, and a stated household and COBRA-premium scenario. Those are not supplied by this snapshot.