What a self-employed person pays for health insurance in 2027: the median and cheapest Silver plan at 40 in 24 states, prices at 27 and 60, what the credit.
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There is no national price. There is a filed price for every county, an age curve, and a credit that depends on what you expect to net. The table below is the first of those; the ZIP box turns it into yours.
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Premiums are set county by county and the credit is set by income, so no table can give a 1099 worker a final number. Enter your ZIP and a licensed agent prices every plan filed where you live against what you actually expect to earn.
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| State | Median Silver at 40 | Cheapest Silver at 40 | at 27 | at 60 | Insurers | PPO filed |
|---|---|---|---|---|---|---|
| Iowa | $604 | $471 | $386 | $1,000 | 5 | No |
| Indiana | $616 | $474 | $388 | $1,006 | 4 | No |
| Ohio | $692 | $528 | $433 | $1,122 | 9 | No |
| South Carolina | $767 | $587 | $481 | $1,246 | 6 | No |
| Michigan | $774 | $469 | $384 | $995 | 7 | Yes |
| Oklahoma | $775 | $618 | $507 | $1,313 | 5 | Yes |
| Arkansas | $780 | $718 | $589 | $1,525 | 4 | Yes |
| Alabama | $782 | $656 | $538 | $1,393 | 4 | Yes |
| Wisconsin | $801 | $615 | $504 | $1,305 | 12 | Yes |
| South Dakota | $812 | $561 | $460 | $1,192 | 3 | Yes |
| Florida | $848 | $597 | $489 | $1,267 | 12 | Yes |
| Mississippi | $851 | $758 | $622 | $1,610 | 3 | No |
| Missouri | $853 | $590 | $484 | $1,253 | 6 | No |
| North Carolina | $866 | $545 | $447 | $1,158 | 5 | Yes |
| Louisiana | $869 | $641 | $526 | $1,361 | 6 | Yes |
| Tennessee | $902 | $696 | $571 | $1,478 | 5 | No |
| Montana | $908 | $678 | $556 | $1,441 | 2 | Yes |
| Texas | $909 | $598 | $491 | $1,270 | 13 | No |
| Utah | $916 | $601 | $564 | $1,218 | 5 | No |
| Delaware | $950 | $869 | $713 | $1,845 | 2 | Yes |
| Kansas | $973 | $632 | $518 | $1,341 | 5 | No |
| Nebraska | $991 | $699 | $573 | $1,485 | 5 | No |
| Wyoming | $1,242 | $1,121 | $919 | $2,381 | 2 | Yes |
| West Virginia | $1,254 | $1,016 | $833 | $2,158 | 2 | Yes |
CMS Plan Year 2027 plan files, every individual-market plan filed in the 24 HealthCare.gov states on this site; monthly, full price before any premium tax credit. The six state-run exchanges Health Advisory also serves (Colorado, Georgia, Illinois, Maryland, Nevada, Virginia) publish no comparable file.
Under the 2027 line the benchmark Silver plan is capped at a share of income, 2.15% at the bottom of the scale and 10.22% between 300% and 400% of the poverty line; the credit pays the rest of the benchmark price and can be spent on any plan. Three incomes for one person:
KFF puts the national average benchmark at $704 a month for a 40-year-old in 2027. How the credit is figured on 1099 income; the 2027 table.
Every plan is priced on the federal age curve: in these files the cheapest Silver plan at 60 costs about two and a half times the same plan at 27, and a 64-year-old pays three times a 21-year-old. The credit absorbs the age difference for anyone under the line, because the cap is a share of income, not of premium; over the line, age is the whole bill.
Premiums for the medical coverage come off above the line on Form 7206, up to net profit, in any month no employer plan was available; the deduction also lowers the income the credit is measured on. With income tax at 22%, a $604 premium costs about $471 after the deduction. The deduction.
Above $63,840 of net income for one person there is no credit and the full filed price applies. A healthy 1099 worker then compares a private plan: priced on age and health answers, with access to a national PPO network, from $180 a month at 40 in North Carolina to $350 in Colorado across the 23 priced states. Private plans are medically underwritten: your health history decides whether you qualify and the final price, and some applicants pay more or are declined. They are not ACA marketplace plans, they do not cover pre-existing conditions the way a marketplace plan does, and no premium tax credit applies. If you are not in good health, the marketplace is usually the better route. Private plans, state by state.
At full price the median Silver plan for a 40-year-old runs from $604 a month in Iowa to $1,254 in West Virginia across the 24 HealthCare.gov states here; the cheapest Silver filed is lower in every state. Under the 2027 credit line the benchmark plan is capped at 2.15% to 10.22% of income, so most people under the line pay less than the filed price.
Under the credit line, almost always the marketplace: the credit cuts the price and no private plan can match it. Over the line, a healthy person often pays less privately, from $180 a month at 40, but private plans are medically underwritten and do not cover pre-existing conditions the way a marketplace plan does.
Yes. The premiums for the medical coverage come off above the line on Form 7206, which cuts income tax and also lowers the income the premium tax credit is measured on. A tax professional runs the two together; Publication 974 has the method.
Run my own numbersBack to the ZIP box near the top of this page.