CMS Marketplace ranking · Avg Gold Premium
States with the Cheapest Gold ACA Premiums
All federal-marketplace states ranked by their plan-weighted average Gold-tier monthly premium for a 27-year-old.
Data updated 2026-08-30
- $455
- #1 New Hampshire
- 30
- States ranked
- $640
- Median value
- $869
- Last: Wyoming
What This Ranking Tells Us
This board is a registry view of CMS Marketplace Public Use File records. It groups current-vintage Gold plan rows by state and ranks the resulting average age-27 premium from low to high. It reports the listed rate in the source data, not a personalized quote or an enrollment recommendation.
How this avg gold premium ranking is computed across 30 states
This ranking covers 30 states and jurisdictions in the ACA marketplace. New Hampshire tops the list at $455, while Wyoming sits at the opposite end with $869. The median value across all ranked states is $640, giving a rough sense of where a typical state lands relative to the extremes. The spread between top and bottom - $414 - illustrates how unevenly this particular metric is distributed across the country.
Each row is a plan-weighted age-27 rate from the current CMS Marketplace Public Use File vintage. The board is a reproducible comparison of listed rates, not a personalized premium estimate, a measure of coverage quality, or enrollment advice. The linked state pages retain the underlying marketplace inventory context.
Top 12 states - avg gold premium
All federal-marketplace states ranked by their plan-weighted average Gold-tier monthly premium for a 27-year-old.
The Bar to Make This List
Where the top-12 cutoff sits among all 30 ranked states
Every ranked state's avg gold premium, bucketed by $109
$632 12th of 30 higher than 11 of 30 states
all 30 ranked states, bucketed by value
Each bar is a $109-wide band; taller bars hold more states. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source CMS Health Insurance Marketplace Public Use Files, Plan Year 2026
| # | State | Avg Gold Premium |
|---|---|---|
| 1 | New Hampshire NH | $455 |
| 2 | Hawaii HI | $491 |
| 3 | Iowa IA | $519 |
| 4 | South Carolina SC | $558 |
| 5 | North Dakota ND | $575 |
| 6 | Missouri MO | $580 |
| 7 | Arkansas AR | $586 |
| 8 | Texas TX | $587 |
| 9 | South Dakota SD | $626 |
| 10 | Oklahoma OK | $627 |
| 11 | Oregon OR | $629 |
| 12 | Wisconsin WI | $632 |
| 13 | Ohio OH | $632 |
| 14 | Michigan MI | $634 |
| 15 | Delaware DE | $634 |
| 16 | Montana MT | $646 |
| 17 | Indiana IN | $649 |
| 18 | Tennessee TN | $652 |
| 19 | Alabama AL | $653 |
| 20 | Kansas KS | $664 |
| 21 | Arizona AZ | $669 |
| 22 | Louisiana LA | $677 |
| 23 | North Carolina NC | $702 |
| 24 | Alaska AK | $766 |
| 25 | Mississippi MS | $774 |
| 26 | Florida FL | $789 |
| 27 | Nebraska NE | $811 |
| 28 | West Virginia WV | $826 |
| 29 | Utah UT | $867 |
| 30 | Wyoming WY | $869 |
Source: CMS Health Insurance Marketplace Public Use Files, Plan Year 2026.
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Read our methodology - how this data is sourced, computed, and verified.