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 HB1006Improve 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 $100 million for use in the 2026 plan year.CT SB 3 (2026) has been introduced to support affordable health care and mitigate the effects of federal cuts to health care premium subsidies. Plain language summary: https://connectforhealthco.com/financial-help/get-financial-help/
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.Program is for 2026. Plain language summaryhttps://help.accesshealthct.com/en_US/enrolling-for-2026
DELAWARE
*DISTRICT OF COLUMBIA
FLORIDA
GEORGIAGA SB379 "Georgia Health Insurance Affordability and Consumer Protection Act" was introduced, proposing that GA establish a state-based "affordability program" by 1/1/2027, to offer state premium subsidies to individuals earning up to 400 percent of FPL, provide cost-sharing reductions for those earning below 250 percent of FPL, and create a premium-free health plan for individuals earning below 200 percent of FPL. https://legiscan.com/GA/bill/SB379/2025
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.Plain language summary https://insurance.maryland.gov/Documents/newscenter/newsreleases/2026-ACA-Press-Release-Approved-Rates-with-exhibits.pdf
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.Connector Care overviewhttps://www.mahealthconnector.org/wp-content/uploads/ConnectorCare-Overview-2026.pdf
MICHIGAN
MINNESOTA
MISSISSIPPI
MISSOURI
MONTANA
NEBRASKANE LB931 was introduced in early 2026 and seeks to create a new refundable income tax credit for Marketplace enrollees, equal to what they've lost as a result of the expiration of enhanced subsidies. https://legiscan.com/NE/bill/LB931/2025
NEVADA
NEW HAMPSHIRE
NEW JERSEYNJ P.L. 2020, Chapter 61 (Assembly, No. 4389)https://www.nj.gov/getcoverednj/financialhelp/premiums/Since 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.
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.Plain language summaryhttps://bewellnm.com/answers/federal-changes/
NEW YORKNY State of Health 2026 Cost-Sharing Reduction Initiatives https://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.
NORTH CAROLINA
NORTH DAKOTA
OHIO
OKLAHOMA
OREGON
PENNSYLVANIA
*PUERTO RICO
RHODE ISLANDProposed FY 2027 budget includes $9.5 million to backfill the expired, enhanced premium tax credits, so that approximately 20,000 individuals can maintain health insurance coverage. https://governor.ri.gov/press-releases/governor-mckee-rolls-out-fy-2027-budget and https://omb.ri.gov/budget-office/fy-2027-governors-budget
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.
VIRGINIANegotiations are ongoing for the FY 2026-2028 budget. A current Senate proposal includes $200 in the first year to subsidize premiums. In addition, VA HB405 is pending (to establish the Health Insurance Premium Stabilization Tax Credit Act): https://www.billtrack50.com/billdetail/1927242/17935
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=falseCascade Care Savings subsidies are for those with incomes up to 250% of FPL. The current policy is for plan year 2026.Plain language summaryhttps://www.wahbexchange.org/content/dam/wahbe-assets/materials/collateral/cc/FinalPY2026CascadeCareSavingsPolicy_Combined.pdf
WEST VIRGINIA
WISCONSIN
WYOMING
GUAM
LAST UPDATED4/28/20264/28/20264/28/20264/28/20264/28/20264/28/2026

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