# America's Quotes

> One benchmark definition, every state. A public register of KFF's 2026 state benchmark Silver premiums and CMS Marketplace operating models. It explains exactly what each record measures and does not present the state average as a personal quote.

America's Quotes is a focused service in the MedicalRecords.com network (https://www.medicalrecords.com). It has no account system or database of its own and does not store medical records.

## Search intent
This site is the network's focused source for **state health insurance benchmark premiums**.

## Questions this service answers
- What is the health insurance benchmark premium in my state?
- What does a benchmark premium measure?
- Where is my state's official health insurance Marketplace?

## Key facts
- Every state figure is the 2026 benchmark Silver premium (second-lowest-cost Silver for a 40-year-old, weighted by county plan selections). The national benchmark is $625/month. Source: [KFF State Health Facts — 2026 benchmark premiums](https://www.kff.org/affordable-care-act/state-indicator/marketplace-average-benchmark-premiums/); verified 2026-07-28.
- A statewide benchmark average does not set a household's subsidy. The applicable benchmark is the second-lowest-cost Silver plan in the rating area that applies to the coverage family; household and eligibility information also matter. Source: [IRS — Premium Tax Credit questions and answers](https://www.irs.gov/affordable-care-act/individuals-and-families/questions-and-answers-on-the-premium-tax-credit); verified 2026-08-11.
- The site does not list county carriers or calculate tax credits without current county-level plan data and an official eligibility result.
- For plan year 2026, states use a federally facilitated Marketplace, a state-based Marketplace on the federal platform, or a state-based Marketplace. Source: [CMS — States by Marketplace Type for Plan Year 2026](https://www.cms.gov/marketplace/in-person-assisters/training-webinars/training/marketplaces-map); verified 2026-05-04.
- General education, not medical or financial advice. Verify figures at HealthCare.gov or your state marketplace.
- Coverage spans all 50 states plus D.C. (51 jurisdictions), each with its own page.

## Key pages
- [Prices by state (home)](https://americasquotes.com/)
- [California prices](https://americasquotes.com/california)
- [Texas prices](https://americasquotes.com/texas)
- [Florida prices](https://americasquotes.com/florida)
- [New York prices](https://americasquotes.com/new-york)
- [Privacy](https://americasquotes.com/privacy)
- [Accessibility](https://americasquotes.com/accessibility)

## MedicalRecords.com network
- [MedicalRecords.com](https://www.medicalrecords.com): the account and records platform connected to this service.

## Related focused services
- [HealthQuoteHero](https://healthquotehero.com): Turn household context and coverage priorities into a sourced decision brief without pretending fixture carriers or premiums are live quotes.
- [Breakaway Insurance](https://breakawayinsurance.com): Map the deadlines after a layoff, move to freelance, turning 26, or divorce, then compare COBRA with marketplace coverage.
- [My Insurance Price](https://myinsuranceprice.com): Reconcile a premium against a sourced state benchmark, grade whether the definitions line up, and retrieve the proof needed before acting.

## Note
America's Quotes is general education, not medical or financial advice, and is not affiliated with any government agency or marketplace. Premiums vary by state, county, and year; confirm current figures at HealthCare.gov.