Health insurance is priced by your county. Let’s find yours.
Two people the same age, on the same income, are offered different plans at different prices in different counties. We publish the real figures for all 3,143 of them — and if you would rather just ask someone, a licensed agent will tell you what you would actually pay.
Two people in the same state, the same age, on the same income, can be offered different plans at different prices — because they live in different counties. Marketplace health insurance is priced and sold at county level, and almost nothing written about it says so.
This site publishes the county-level figures: how many insurers actually sell where you live, how many plans they offer between them, how many of your neighbors buy marketplace coverage, and how many people locally have no coverage at all. 3,143 counties across all 51 states and DC, from CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates.
Source: CMS Marketplace Open Enrollment Public Use Files and US Census Small Area Health Insurance Estimates, 2026 release. Figures cover the under-65 population, who are the people the marketplace serves.
Where coverage is thinnest
Every state, shaded by the share of under-65 residents with no coverage at all — from 3.3% in Massachusetts to 19.1% in Texas. The full figures are in the tables below.
Start with where you live
We publish a page for 568 counties — the largest by under-65 population in each state, covering 76% of the people nationally. Every one carries that county's own figures rather than a template.
Harris County, Texas · Maricopa County, Arizona · Miami-Dade County, Florida · Dallas County, Texas · Tarrant County, Texas · Bexar County, Texas
| State | Uninsured | Plans per 1,000 | Insurers | County pages |
|---|---|---|---|---|
| Texas | 19.1% | 159 | 1–10 | 43 |
| Oklahoma | 14.4% | 79 | 1–7 | 5 |
| Florida | 13.7% | 254 | 1–13 | 34 |
| Arizona | 12.9% | 60 | 1–7 | 8 |
| Wyoming | 12.5% | 86 | 2–2 | 2 |
| Mississippi | 12.1% | 137 | 3–5 | 6 |
| Alaska | 12.1% | 46 | 2–2 | 3 |
| Tennessee | 11.3% | 98 | 3–5 | 14 |
| South Carolina | 11.2% | 138 | 2–5 | 14 |
| Montana | 11.1% | 83 | 3–3 | 4 |
| North Carolina | 10.2% | 87 | 2–6 | 25 |
| Kansas | 10.1% | 81 | 1–5 | 5 |
| Alabama | 10.0% | 114 | 2–4 | 12 |
| South Dakota | 9.9% | 70 | 2–3 | 3 |
| Utah | 9.3% | 127 | 2–5 | 6 |
| Missouri | 9.2% | 74 | 2–6 | 12 |
| Louisiana | 9.2% | 82 | 2–5 | 13 |
| Indiana | 9.1% | 54 | 3–5 | 14 |
| Nebraska | 8.2% | 79 | 5–5 | 3 |
| Ohio | 8.1% | 50 | 3–9 | 25 |
| North Dakota | 6.5% | 64 | 2–3 | 3 |
| Iowa | 6.4% | 48 | 2–5 | 7 |
| Oregon | 6.4% | 36 | 5–6 | 8 |
| Wisconsin | 6.4% | 62 | 1–5 | 14 |
| Michigan | 6.2% | 62 | 2–7 | 19 |
| New Hampshire | 5.5% | 58 | 4–4 | 4 |
The states the federal county file leaves out
The CMS county file publishes plans and insurers for HealthCare.gov states only, so for these 25 states the figures here are Census coverage estimates instead: who is uninsured, and how many of them earn in the range a premium tax credit reaches. Most of them run their own marketplace; a few are on HealthCare.gov and simply are not broken out by county in that file. Where you enroll is on each state's page.
| State | Uninsured | In subsidy range | Share | County pages |
|---|---|---|---|---|
| Georgia | 14.0% | 629,756 | 50% | 30 |
| Nevada | 13.7% | 197,559 | 54% | 2 |
| New Mexico | 13.4% | 107,678 | 49% | 5 |
| Arkansas | 11.3% | 140,289 | 50% | 7 |
| Idaho | 11.1% | 98,673 | 55% | 5 |
| Colorado | 9.3% | 229,624 | 50% | 11 |
| New Jersey | 9.0% | 330,684 | 48% | 19 |
| Delaware | 8.3% | 33,350 | 51% | 3 |
| Illinois | 8.1% | 423,655 | 51% | 19 |
| Virginia | 8.1% | 283,998 | 50% | 20 |
| Kentucky | 8.1% | 146,636 | 49% | 8 |
| Washington | 7.8% | 256,620 | 50% | 14 |
| West Virginia | 7.3% | 48,679 | 49% | 3 |
| Pennsylvania | 7.2% | 360,928 | 49% | 31 |
| Maryland | 7.2% | 176,483 | 49% | 15 |
| Maine | 7.2% | 39,094 | 52% | 5 |
| Connecticut | 7.0% | 95,936 | 48% | 9 |
| California | 6.9% | 1,173,956 | 52% | 36 |
| Minnesota | 6.0% | 140,120 | 50% | 12 |
| New York | 5.9% | 429,201 | 47% | 27 |
| Rhode Island | 5.3% | 22,701 | 49% | 3 |
| Vermont | 5.1% | 12,685 | 51% | 1 |
| District of Columbia | 4.8% | 11,210 | 40% | 1 |
| Hawaii | 4.1% | 23,939 | 49% | 3 |
| Massachusetts | 3.3% | 84,846 | 46% | 11 |
What this site is for
Health insurance writing tends to stop at the national average, which is a number that applies to nobody. The average masks the thing that decides your options: in Florida, Monroe County has 1 insurer selling 33 plans, and Broward County has 13 selling 197. Same state, same rules, same year.
So the figures here are always local, always sourced, and always dated. Where we do not have data for a county, we say so rather than estimating it.
The parts that are the same everywhere
Some of it does not vary by county, and those parts get their own pages:
- Premium tax credits — who qualifies, and how the amount is worked out.
- The $63,840 cliff — one dollar of income over the line and the whole subsidy stops.
- Open Enrollment — November 1, 2026 to January 15, 2027, with six states we have confirmed run different dates.
- Special Enrollment — the 60-day window after a qualifying life event.
If your situation is the reason you are here
Most people arrive at the marketplace because something changed.
- You left a job, or lost one
- You work for yourself
- You are aging off a parent's plan
- Every situation we cover
The data is yours
The marketplace half is built from one table — 1,817 counties, 26 states, assembled from federal public use files that publish these figures separately and never together at county level. Download it, CC BY. Journalists and researchers especially: it needs no permission and no email address.
How we are paid, plainly
When you call the number on this site you reach Clearline Health Insurance (National Producer Number 19024830), a licensed insurance agency. HealthPlanIndex is compensated for that connection. That is how this site is paid for, and it does not change what you pay for a plan. We do not publish reviews, we do not rank insurers by what they pay, and we do not sell your details. More on how we make money and our editorial policy.