Health Plan Rankings

States ranked by health insurance premiums, deductibles, issuer competition, and plan availability. All data from ACA marketplace filings.

Most Expensive Premiums

States with the highest average monthly health plan premiums.

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  1. 1 West Virginia $844
  2. 2 Wyoming $841
  3. 3 Utah $791
  4. 4 Nebraska $729
  5. 5 Florida $728

Cheapest Premiums

States with the most affordable average monthly premiums.

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  1. 1 New Hampshire $391
  2. 2 Iowa $458
  3. 3 Hawaii $463
  4. 4 North Dakota $499
  5. 5 South Carolina $500

Most Insurance Issuers

States with the most health insurance companies competing.

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  1. 1 Texas 18
  2. 2 Florida 16
  3. 3 Wisconsin 12
  4. 4 Ohio 11
  5. 5 Missouri 8

Lowest Average Deductibles

States where plans have the lowest average deductible amounts.

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  1. 1 Texas $4,481
  2. 2 Alaska $4,502
  3. 3 Wyoming $4,578
  4. 4 Oklahoma $4,765
  5. 5 Delaware $4,819

Highest Average Deductibles

States where plans have the highest average deductible amounts.

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  1. 1 Michigan $5,919
  2. 2 Arkansas $5,607
  3. 3 Arizona $5,550
  4. 4 Oregon $5,472
  5. 5 South Dakota $5,443

Most Plan Options

States with the most ACA marketplace plan choices available.

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  1. 1 Texas 834
  2. 2 Florida 410
  3. 3 Wisconsin 311
  4. 4 North Carolina 206
  5. 5 Arizona 199

How PlainHealthPlan Rankings Are Compiled

Our rankings are computed directly from the upstream dataset — not editorially curated and not influenced by advertisers. Each ranking surfaces a clear, reproducible metric (for example, count of records per jurisdiction, share of records within a category, or rate per capita), and the underlying numbers are visible on the associated record pages so you can verify them. We recompute rankings whenever the upstream data refreshes, and we publish the refresh cadence on the methodology page.

What Rankings Mean (and What They Do Not)

A ranking is a useful lens — it tells you where to start looking — but it is not a judgment about quality, safety, or reputation. Being at the top of a count-based ranking typically reflects scale: more records in a jurisdiction, more entities in a category. It does not mean "better" or "worse." Whenever a ranking could be misread as a quality claim, we include an explanatory note on the page. When a ranking is rate-based (per capita, per thousand, share), we describe the denominator so you can sanity-check whether the normalization fits your question.

Why We Publish These Rankings

Rankings make large public datasets navigable. Most visitors arrive with a question ("Which jurisdiction has the most records?" or "Where is this category concentrated?") and benefit from seeing a ranked list with direct links to the full records. Publishing ranked views of public data is a long-established practice in civic journalism; we are careful to surface the raw numbers, link to the official source, and avoid editorial spin. If a ranking ever implies a value judgment not supported by the data, please email us at the address on the contact page and we will review the wording.

Methodology, Sources, and Corrections

Every ranking is derived from the source dataset linked on the methodology page. We do not blend proprietary signals; we do not substitute editor opinion for data. If you believe a ranking is miscomputed or that a record is misclassified, please contact us with the specific record ID and the expected correction, and we will investigate within the next refresh cycle. Corrections that affect the published ranking are rolled forward immediately; minor formatting fixes go out with the next scheduled refresh.