States with the Best Health Insurance Affordability

Health insurance affordability and coverage rates vary significantly across the U.S., with some states demonstrating better outcomes in terms of lower costs relative to income and higher percentages of insured residents.

The top 3

  1. Top 3 States with Lowest Average Premiums (as % of income): As of July 2026, the states with the lowest health insurance costs as a percentage of median monthly household income are Maryland (4.66%), New Hampshire (4.77%), and Massachusetts (5.49%).
  2. States with Highest Percentage of Insured Residents: Massachusetts leads the nation with 97.4% of its residents insured, followed closely by Washington, D.C. at 97.3%, and Hawaii at 97.2%, as of June 2026.
  3. States with Most Comprehensive Marketplace Options: States like Colorado, Georgia, Indiana, Maine, Maryland, Ohio, Pennsylvania, South Carolina, and Texas are identified as having vibrant health insurance marketplaces and relatively affordable options, indicating a wide array of choices for consumers.

Sources

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