Health Insurance by State 2026
Health insurance rules, Medicaid eligibility, and Marketplace options vary significantly by state. Find your state's specific guide below.
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40 states
expanded Medicaid under the ACA
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$0–$50/mo
typical ACA plan cost with subsidies
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Nov 1 – Jan 15
Open Enrollment for 2026 plans
State Guides
California
Medicaid expandedState-run marketplace with generous subsidies
Marketplace: Covered California
Texas
Not expandedNo Medicaid expansion — Marketplace plans only for most adults
Marketplace: healthcare.gov
Florida
Not expandedLarge marketplace enrollment; no Medicaid expansion
Marketplace: healthcare.gov
New York
Medicaid expandedExpanded Medicaid; coverage extended to age 29 on parent's plan
Marketplace: NY State of Health
Illinois
Medicaid expandedMedicaid expansion in effect; strong Marketplace options
Marketplace: healthcare.gov
Pennsylvania
Medicaid expandedState-run marketplace; Medicaid expansion in effect
Marketplace: Pennie
Ohio
Medicaid expandedMedicaid expansion since 2014
Marketplace: healthcare.gov
Georgia
Not expandedLimited Medicaid expansion (Pathways to Coverage)
Marketplace: healthcare.gov
North Carolina
Medicaid expandedMedicaid expanded in 2023
Marketplace: healthcare.gov
Michigan
Medicaid expandedHealthy Michigan Plan; Medicaid expansion
Marketplace: healthcare.gov