State Laws Providing Marketplace Assistance

Marketplace financial assistance can help lower the cost of health insurance coverage by reducing monthly premiums and, in some cases, other out-of-pocket expenses. Some states have enacted laws to provide additional financial support beyond federal assistance, often through state-funded premium subsidies or expanded eligibility.

The chart below identifies states with laws that provide marketplace financial assistance, including available premium subsidies, eligibility levels, and timelines for health insurance support. To see whether you may be eligible for marketplace financial assistance (federal or state), the best place to start is Healthcare.gov or your state marketplace website.

Check back often, as this chart is updated frequently.

StateState LawBrief Summary Description of Law (e.g., amount of financial assistance and applicable to which income federal poverty level)Time Frame for Financial Assistance (e.g., when does it end?)Additional Information
ALABAMA
ALASKA
ARIZONA
ARKANSAS
CALIFORNIACalifornia Government Code §§ 100800–100825, enacted by SB 78 (2019)https://hbex.coveredca.com/stakeholders/PDFs/2026-02_StatePremiumSub_PolicyExplainer-Final.pdf?utmThe CA State Fiscal Year 2025-26 budget reinstated the California Premium Subsidy program. For 2026, the state has allocated $190 million to provide state-funded premium tax credits for individuals earning up to 165% of FPL. IRA-level premium subsidies will be preserved for those earning up to 150% of the federal poverty level, and federally-required premiums for individuals between 150% and 165% of FPL will be lowered.Budget allocation is for 2026.
COLORADORegulation 4-2-78; CO HB1006 Improve Affordability Private Health Insurancehttps://leg.colorado.gov/bills/hb25b-1006CO Premium Assistance is available for enrollees with household incomes between 100% and 400% of FPL. Assistance is equal to the lower of (1) $80 for the first household member & $29 for each subsequent household member that pays a premium, or (2) the total remaining after Premium Tax Credits.The act authorized generation of $110 million for use in the 2026 plan year. A 2026 law provides ongoing funding for premium assistance and other state marketplace affordability initiatives.Connect for Health Colorado, Premium Assistancehttps://connectforhealthco.com/financial-help/colorado-premium-assistance/
CONNECTICUTSpecial Act No. 25-1https://www.cga.ct.gov/asp/cgabillstatus/cgabillstatus.asp?selBillType=Bill&which_year=2025&bill_num=8003The CT Marketplace create a Special Enrollment Period for individuals who qualify for 2026 Temporary Premium Assistance (TAP.) Households with income of between 100% and 200% of FPL (and who are not enrolled in the Covered CT Program) are eligible for TAP for the difference between their Premium Tax Credits and the expired tax credits. Households with income between 400% and 500% of FPL are eligible for assistance for 50% of the expired tax credit amount.TAP program is for 2026. TAP enrollment ends June 30, 2026.Access Health CT's Enrolling (in TAP) for 2026https://help.accesshealthct.com/en_US/enrolling-for-2026
DELAWARE
*DISTRICT OF COLUMBIA
FLORIDA
GEORGIA
HAWAII
IDAHO
ILLINOIS
INDIANA
IOWA
KANSAS
KENTUCKY
LOUISIANA
MAINE
MARYLANDMD Code, Insurance, § 31-125https://mgaleg.maryland.gov/2025RS/chapters_noln/Ch_468_hb1082T.pdfThe State-Based Health Insurance Subsidies Program helps offset the expiration of the enhanced federal subsidies. It replaces 100% of the enhanced subsidies for those under 200% of FPL, and replaces 50% of the enhanced subsidies for those between 250% and 400% of FPL.The program is authorized for fiscal years 2026 through 2028.Maryland Health Connection, Financial Help (including Maryland Premium Assistance)https://www.marylandhealthconnection.gov/maryland-premium-assistance/
MASSACHUSETTSConnectorCare is funded through the Commonwealth Care Trust Fund, Mass. Gen. Laws ch. 29, § 2OOOhttps://www.mahealthconnector.org/governor-healey-details-plan-to-protect-against-aca-cost-hikesThe state, through its ConnectorCare program, is providing $600 million of assistance for those making below 400% of FPL to see little to no premium increases, as well as lowering other out-of-pocket costs.$250 million of the $600 million was specifically added for 2026 as a temporary measure.Masschusetts Health Connector, Stay Informed About Federal Changes (includes information about ConnectorCare program)https://www.mahealthconnector.org/updates
MICHIGAN
MINNESOTA
MISSISSIPPI
MISSOURI
MONTANA
NEBRASKA
NEVADA
NEW HAMPSHIRE
NEW JERSEYNJ P.L. 2020, Chapter 61 (Assembly, No. 4389)https://njleg.state.nj.us/bill-search/2020/A4389/bill-text?f=A4500&n=4389_E1Since 2021, the NJ Health Plan Savings program has decreased the cost of premiums for Marketplace enrollees whose household income is up to 600% of FPL.An estimated $215 million will be provided in 2026.Get Covered NJ, Lower Your Monthly Premiums with the NJ Health Plan Savingshttps://www.nj.gov/getcoverednj/financialhelp/premiums/
NEW MEXICOHouse Bill 2 (2025 Special Session)https://www.nmlegis.gov/Legislation/Legislation?Chamber=H&LegType=B&LegNo=2&year=25sAllows New Mexicans with incomes over 400% of FPL to receive New Mexico Premium Assistance to backfill the loss of enhanced premium tax credits.While House Bill 2 provided a six-month temporary fix, in March 2026, the legislature strengthened funding to the Health Care Affordability Fund to sustain state subsidies through 2026, and through the Marketplace Affordability Program, people at nearly every income level should remain eligible for subsidies through June 30, 2027.NM Health Care Authority, Health Insurance Marketplace Affordability Programhttps://www.hca.nm.gov/health-insurance-marketplace-affordability-program/
NEW YORKNY State of Health 2026 Cost-Sharing Reduction Initiativeshttps://info.nystateofhealth.ny.gov/sites/default/files/Attachment%20U%20-%20Cost%20Sharing%20Reduction%20Initiatives%202026.pdfExpanded eligibility for certain cost-sharing reduction plans is offered to individuals with household income up to 400% of FPL.NY State of Health hopes to continue cost-sharing subsidies through the end of 2026, subject to available funds. Otherwise, they will terminate on 7/1/2026.NY State of Health, Impact of H.R.1 Legislation on New York's Essential Planhttps://info.nystateofhealth.ny.gov/sites/default/files/Impact%20of%20HR1%20Legislation%20on%20Essential%20Plan%20April%202026.pdf
NORTH CAROLINA
NORTH DAKOTA
OHIO
OKLAHOMA
OREGON
PENNSYLVANIA
RHODE ISLANDH7127 Sub A as amended, Article 12 Sub A as amended Relating to Health Carehttps://webserver.rilegislature.gov/BillText26/HouseText26/Article-012-SUB-A-as-amended.pdf2027 budget established an "individual market affordability program" to provide state-based subsidies for those who are eligible for the federal premium tax credit and enrolled in health insurance coverage through the exchange. Priority will be given to households whose incomes are below 200% of the federal poverty level. Initial appropriation for fiscal year 2027 is $12.5 million, which includes an additional $3 million to replace expired federal enhanced advanced premium tax credits.Program will be implemented on January 1, 2027. Ongoing funding subject to 2028 budget provisions.Governor McKee Signs Fiscal Year 2027 Budget, Advancing Key Affordability for All Initiativeshttps://governor.ri.gov/press-releases/governor-mckee-signs-fiscal-year-2027-budget-advancing-key-affordability-all
SOUTH CAROLINA
SOUTH DAKOTA
TENNESSEE
TEXAS
UTAH
VERMONT33 V.S.A. § 1812https://legislature.vermont.gov/statutes/section/33/018/01812?Enrollees with incomes up to 300% of FPL are eligible for state-funded premium subsidies and cost-sharing reductions in addition to those offered at the federal level.Not indicated in the statute.Department of Vermont Health Access - Vermont Health Connect, Financial Healthhttps://info.healthconnect.vermont.gov/financial-help
VIRGINIAVirginia General Assembly State Budget for 2026 Sessionhttps://budget.lis.virginia.gov/Virginia has not yet passed its budget for fiscal years 2026-2028. Budget bills are currently pending in both the state House and Senate. A proposal to fund state subsidies for marketplace plan enrollees who lost federal subsidies is included.Virginia operates on a 2-year budget cycle. Any provisions that pass will fund state financial assistance initiatives through 2028.
WASHINGTONCascade Care Savings (SB 5377) was created in 2021 and the program launced in plan year 2023https://app.leg.wa.gov/billsummary?BillNumber=5377&Year=2021&Initiative=falseCreated Cascade Care Savings subsidies for those with incomes up to 250% of FPL who are otherwise qualified.The current policy is for plan year 2026. An updated policy will go into effect in 2027 that continues state subsidies for qualified enrollees with household incomes up to 250% of FPL.Washington Health Benefit Exchange, Cascade Care Savingshttps://www.wahbexchange.org/about-the-exchange/initiatives/cascade-care/cascade-care-savings/
WEST VIRGINIA
WISCONSIN
WYOMING
GUAM
LAST UPDATED6/16/20266/16/20266/16/20266/16/20266/16/20266/16/2026

Go back to the top