Health Insurance Premium 2018 Kansas Kaiser Family Foundation

The increased price of health insurance is a primal fact in whatsoever discussion of health policy and health commitment.

In 2018 the average annual premium for employer-based family coverage rose 5% to $19,616 for single coverage, premiums rose 3% to $6,896. Covered workers contributed 18% of the toll for single coverage and 29% of the cost for family coverage, on average, with considerable variation across firms.

By comparing, annual premiums for 2017 reached $18,764, up 3 percentage from 2015 for an average family unit coverage with workers on average paying $v,714 towards the cost of their coverage, according to the Kaiser Employer Survey, October 2018 and 2017, applying to employer-based insurance.

For those Americans who are fully covered, these cost realities affect employers, both large and small, plus the "pocket-book impact" on ordinary families. For those buying insurance on an exchange or individual market place program for 2018, the boilerplate increase with subsidies was $201. The 2019 policy premiums are now terminal and have more moderate averages increases, with some rate decreases. View 2019 rate filings below.

2019 Heath Insurance Premiums - Reports and resources

• How ACA Marketplace Premiums Are Changing by County in 2019: Many low-income consumers who are eligible for federal financial help nether the ACA can get a bronze-level plan and pay nothing out-of-pocket in premiums in more than than 2,000 counties adjacent year, depending on their annual income, according to a new assay. But such plans tin can come up with higher deductibles and out-of-pocket maximums. (View Effect Brief with interactive state maps. | Kaiser Family Foundation, 11/twenty/2018.
• Wellness Exchanges: 2019 Average Monthly Premiums for Second-Lowest Price Silverish Plan and Everyman Price Plan for States Using the HealthCare.gov Platform, 2016-2019.  The tables linked below signal the boilerplate monthly premiums for the 2nd-lowest cost silver plan (SLCSP) and lowest cost plan (LCP) across all 39 states using the using the HealthCare.gov platform, also as state-level average SLCSP and LCP premiums. The premiums displayed are for a 27-year former single nonsmoker.
  ♦ Land past country premiums- updated Oct xi, 2018 - posted by CMS.
• Updated Navigator Resource Guide  (Updated: November 2018): The Navigator Guide provides data on contempo policy changes, a list of enrollment tools for consumers and assisters, and answers to hundreds of FAQs, ranging from questions almost eligibility for market place subsidies to post-enrollment issues. The guide is a useful resource throughout the open enrollment flavour. Yous can access it online via the Georgetown University site.

• Health Insurance Market place Calculator Updated for 2019: Health Insurance Market place Reckoner, posted by Kaiser Family Foundation (KFF), now includes local data on the 2019 health plans being sold through the Affordable Intendance Act (ACA) marketplaces during the 2019 open enrollment period. With the tool, consumers around the nation tin generate estimates of their health insurance premiums and what financial assist may be available -- based on household income, family size, ages of family members, and nix lawmaking -- for ACA marketplace plans sold in their local surface area. The calculator also helps consumers make up one's mind whether they could be eligible for Medicaid.
  • A Spanish-language version of the calculator is too available.
  • KFF also offers a searchable collection of more than 300 Frequently Asked Questions  nigh open up enrollment, the marketplaces and the ACA.

• Experiences Under the ACA Advise Association Wellness Plans Could Harm the Minor-Grouping Insurance Market: The federal rule making it easier for groups to grade association wellness plans may result in higher costs for those who need the ACA'southward more than comprehensive coverage or don't qualify for less-regulated plans. Total report by The Commonwealth Fund, 12/4/2018

• Find 2019 Rate Review Data About Your Insurer

Select a category of health coverage from the CMS Health.Care.gov federal website to start:

• Search ACA-Compliant Products
• Search Transitional Educatee Plans

  New December Study: Americans with Employer Wellness Coverage Face Growing Cost Burdens
  U.S. workers and their families, peculiarly those living in the South, are spending a bigger share of their income on wellness intendance, a new Commonwealth Fund study finds. Average employee premium contributions for single and family plans consumed nearly 7 percent of U.Southward. median income in 2017, up from v percentage in 2008. In Louisiana, premium contributions represented 10.2 percent of median income. For Americans whose incomes fall in the midrange of the income distribution, total spending on employer plan premiums and potential out-of-pocket costs to meet deductibles amounted to eleven.7 percent of income last yr, up from seven.8 per centum a decade earlier. Full report by The Commonwealth Fund, 21 pp, PDF.

  Contempo from HHS/CMS:

  Final 2017 Benefit Year Gamble Aligning Summary Report and accompanying issuer transfer reports. "CMS is announcing take a chance adjustment payments and charges for the 2017 benefit year as calculated under the HHS-operated risk aligning methodology." Full Report released by CMS | News Release Summary,  July seven, 2018.
  Summary Report on Permanent Chance Adjustment Transfers For the 2017 Benefit Year. Full study, for actuaries and country fiscal analysts, (36 pp, PDF) July nine, 2018
  Analysis: "The Trump administration said July 7 that it was suspending a program that pays billions of dollars to insurers to stabilize wellness insurance markets under the Affordable Intendance Act, a freeze that could increase uncertainty in the markets and drive upwardly premiums this fall. Many insurers that enroll large numbers of unhealthy people depend on the "risk adjustment" payments, which are intended to reduce the incentives for insurers to seek out healthy consumers and shun those with chronic illnesses and other pre-existing atmospheric condition.

  2018 Health Insurance Premiums - updated resource

  The information below mostly applies to health insurance policies available for auction as of Nov. 1, 2017, that took effect for coverage Jan. i, 2018 through Dec. 31, 2018.  Notation that "boilerplate" prices listed may not reveal lowest costs or highest costs, so the upshot on an private or family oft requires a closer look at individual plans.  The federal HHS-sponsored web site is intended to make this precise listing-price information available to policymakers and the full general public. Subsidies for those with annual income upwards to 400 per centum of federal poverty can be calculated by those who are prepared to enter their confidential fiscal data.

  Table : Monthly Silver Premiums and Financial Help for a 40 Year Old Non-Smoker Making $30,000 / Year
  State	Major City	second Lowest Price Argent Earlier Tax Credit			2nd Lowest Cost Silver Subsequently Tax Credit			Amount of Premium Tax Credit
  		2017	2018	% Modify from 2017	2017	2018	% Alter from 2017	2017	2018	% Change from 2017
  California*	Los Angeles	$258	$289	12%	$207	$201	-3%	$51	$88	71%
  Colorado	Denver	$313	$352	12%	$207	$201	-three%	$106	$150	42%
  Connecticut	Hartford	$369	$417	13%	$207	$201	-3%	$162	$216	33%
  DC	Washington	$298	$324	9%	$207	$201	-three%	$91	$122	35%
  Delaware	Wilmington	$423	$631	49%	$207	$201	-iii%	$216	$430	99%
  Georgia	Atlanta	$286	$308	7%	$207	$201	-3%	$79	$106	34%
  Idaho	Boise	$348	$442	27%	$207	$201	-three%	$141	$241	seventy%
  Indiana	Indianapolis	$286	$337	xviii%	$207	$201	-3%	$79	$135	72%
  Maine	Portland	$341	$397	17%	$207	$201	-three%	$134	$196	46%
  Maryland	Baltimore	$313	$392	25%	$207	$201	-3%	$106	$191	81%
  Michigan*	Detroit	$237	$244	3%	$207	$201	-3%	$29	$42	44%
  Minnesota**	Minneapolis	$366	$383	5%	$207	$201	-3%	$159	$181	14%
  New Mexico	Albuquerque	$258	$346	34%	$207	$201	-3%	$51	$144	183%
  New York***	New York City	$456	$504	x%	$207	$201	-3%	$249	$303	21%
  Oregon	Portland	$312	$350	12%	$207	$201	-3%	$105	$149	42%
  Pennsylvania	Philadelphia	$418	$515	23%	$207	$201	-3%	$211	$313	49%
  Rhode Island	Providence	$261	$248	-5%	$207	$201	-3%	$54	$47	-thirteen%
  Tennessee	Nashville	$419	$507	21%	$207	$201	-3%	$212	$306	44%
  Vermont	Burlington	$492	$491	0%	$207	$201	-3%	$285	$289	2%
  Virginia	Richmond	$296	$394	33%	$207	$201	-3%	$89	$193	117%
  Washington	Seattle	$238	$306	29%	$207	$201	-three%	$31	$105	239%
  NOTES: *The 2018 premiums for MI and CA reverberate the supposition that CSR payments will continue. **The 2018 premium for MN assumes no reinsurance. ***Empire has filed to offering on the individual market in New York in 2018 only has not made its rates public. SOURCE:  Kaiser Family unit Foundation analysis of premium data from Healthcare.gov and insurer rate filings to state regulators

  2017 Plan Twelvemonth Premiums

  2016 Plan Year Premiums

  This report presents an analysis of changes in the premiums for the everyman- and second-lowest cost silver market plans in major cities in 10 states plus the District of Columbia, where we were able to find complete data on rates for all insurers. It follows a similar approach to our September 2013 and 2014 analyses of Market place premiums.  In virtually of these 11 major cities, the authors find that the costs for the lowest and second-everyman cost argent plans – where the bulk of enrollees tend to migrate – are irresolute relatively modestly in 2016, although increases are generally bigger than in 2015. The cost of a benchmark silver plan in these cities is on average iv.4% higher in 2016 than in 2015.

  Benchmark premium changes in 2016 vary significantly across the cities, ranging from a decrease of ten.1% in Seattle, Washington to an increment of 16.2% in Portland, Oregon.

  2015 to 2016: Monthly Criterion Silver Premiums for a 40 Year Erstwhile Non-Smoker Making $xxx,000 / Year

  State	Rating Area (Major City)	2nd Lowest Cost Silver Before Tax Credit			2nd Everyman Cost Silverish After Tax Credit
  		2015	2016	% Change from 2015	2015	2016	% Change from 2015
  Connecticut	2 (Hartford)	$322	$328	2.0%	$208	$208	0.2%
  DC	1 (Washington)	$242	$248	ii.eight%	$208	$208	0.2%
  Maine	1 (Portland)	$282	$290	2.9%	$208	$208	0.2%
  Maryland	1 (Baltimore)	$235	$246	four.6%	$208	$208	0.2%
  Michigan	1 (Detroit)	$230	$226	-1.8%	$208	$208	0.2%
  New Mexico	1 (Albuquerque)	$171	$190	eleven.0%	$171*	$190*	11.0%*
  New York	4 (New York City)	$372	$374	0.v%	$208	$208	0.2%
  Oregon	1 (Portland)	$213	$248	sixteen.two%	$208	$208	0.2%
  Vermont	1 (Burlington)	$436	$476	ix.2%	$208	$208	0.2%
  Virginia	seven (Richmond)	$260	$288	10.8%	$208	$208	0.2%
  Washington	1 (Seattle)	$254	$228	-10.1%	$208	$208	0.two%
  Average % change from 2015				iv.4%			1.2%
  SOURCE: Kaiser Family Foundation assay of 2016 insurer rate filings to country regulators.- Table 1 NOTES: Rates are non still last and subject to review by the state. Oregon rates reflect preliminary changes from the state. *Unsubsidized Albuquerque premiums are so low that a 40 yr old making $30,000 per year would not authorize for a premium tax credit in 2016

  Archives for 2008-2015 accept been removed and archived offline equally of 12/one/2017.

  • • Summary: Tracking 2019 Premium Changes past State on ACA Exchanges- Updated October eleven, 2018 with latest states
      A new Health Premium tracker monitors preliminary 2019 premiums in the ACA's marketplaces as insurers file rate information with state regulators. Beginning with data from viii states and the Commune of Columbia, the tracker shows preliminary premium information in nine major cities for the lowest-cost bronze programme and "benchmark" silver plan, which is used to determine the size of the premium tax credits available to low- and moderate-income enrollees. (News Release, Issue Brief; posted past Kaiser Family unit Foundation)
      • Colorado: Hints of "stability" in individual market lead insurers to ask for half-dozen pct hike in premiums. "If approved past state regulators, the proposed average price jump would exist the smallest increment for health insurance policies on the private market, sold both on and off the state's health insurance exchange, since 2015."
      • The Effects of Federal Policy: What Early Premium Rate Filings Can Tell Us About the Future of the Affordable Intendance Act. "Insurers have started to advise some pretty eye-popping premium increases for Affordable Care Human action coverage in 2019. CHIR adept Sabrina Corlette dug deep into the companies' actuarial memos to find out what'south causing the price hikes & plant that recent changes in federal policy are making a big departure."
    • 2019 Individual Market Premium Changes, by State Table below shows the range of proposed charge per unit changes across all ACA-compliant plans offered by insurers that have proposed participating on the exchange in each state. This tabular array by Kaiser Family unit Foundation includes tracked states that have released average premium increases for all insurers intending to offer exchange plans next yr. 41 states reporting every bit of 10/11/2018

    • This table includes boosted states that have released average premium increases for all insurers intending to offer exchange plans next yr.

      Tennessee

      Table: Concluding and Proposed 2019 Private Market Premium Changes, by State
      Land (F = Terminal)	Number of Exchange Insurers Submitting 2019 Rates*	Statewide Average Private Market Rate Change**	Minimum Private Market place Average Rate Change Amid Exchange-Participating Insurers	Maximum Individual Market Average Rate Alter Among Exchange-Participating Insurers
      Alabama	>2		15.55% (Vivid Health)	-0.5% (BCBS of AL)
      Arkansas (F)	3		1.06% (Qualchoice)		4.6% (Ambetter)
      California	11	8.vii%	Not Available	Not Available
      Colorado (F)	vii	5.94%	-0.21% (HMO Colorado)	21.half dozen% (Denver Health)
      Connecticut (F)	2	12.3%	-2.seven% (Anthem)	4% (ConnectiCare)
      Delaware	i	3.%**	NA (One insurer)	3% (One insurer)
      DC	2	14.9%	9.5% (CareFirst BlueChoice)	20% (Kaiser)
      Florida	v***	5.2%	-1.5% (Molina)	9.8% (Wellness First)
      Georgia	4		2.two% (BCBS of GA)	14.7% (Kaiser)
      Hawaii	2		2.72% (Hawaii Medical Services)	28.vi% (Kaiser)
      Idaho (F)	iv	8%	-1% (SelectHealth)	24% (PacificSource)
      Iowa	2***	-seven.9%**	NA (One returning insurer)	NA (I returning insurer)
      Indiana	ii	5.1%	-0.5% (Celtic)	x.2% (CareSource)
      Kansas	3		ii.68% (Sunflower Land)	ten.7% (Medica)
      Kentucky	2		3.5% (Anthem)	19.iv% (CareSource)
      Maine	3***		-iv.three% (Anthem)	2.1% (Harvard Pilgrim)
      Maryland	2	xxx.ii%	eighteen.5% (CareFirst Blue Choice)	91.4% (CareFirst CFMI, GHMSI)
      Michigan	8***		-2.v% (Priority Health)	11.1% (McLaren)
      Minnesota	4		-12.4% (Medica)	-7% (UCare)
      Missouri	4***		-viii.6% (Celtic)	7.3% (Cigna)
      Montana	3		0% (HCSC)	10.6% (Montana Health Co-op)
      Nebraska	1	two.ii%**	NA (One insurer)	NA (One insurer)
      New Hampshire	3		-15.23% (Celtic)	-7.4% (Harvard Pilgrim)
      Nevada	2		-one.one% (SilverSummit)	0% (Health Program of Nevada)
      New Jersey	3	5.eight%	0.eight% (AmeriHealth EPO)	9.2% (Horizon EPO)
      New Mexico	5***		-0.4% (Molina)	xviii.v% (Presbyterian)
      New York (F)	12	8.6%	-3.two% (HealthNow New York)	17% (Emblem)
      N Carolina	3***		-four.one% (BCBS of NC)	3.six% (Cigna)
      Ohio	Non Available	8.ii%**	Not Available	Not Available
      Oklahoma	ii***	-two.0%**	NA (1 returning insurer)	NA (One returning insurer)
      Oregon	5		-9.half-dozen% (PacificSource)	10.6% (Providence)
      Pennsylvania	6***	0.vii%	-20.iv% (Capital Reward)	thirteen.two% (Geisinger Quality Options)
      Rhode Island	2		8.7% (Neighborhood HP)	10.7% (BCBS of RI)
      South Dakata (F)	ii		23.3% (Molina)	9.7% (Sanford)
      v***		-14.8% (BCBS of TN)	7.two% (Oscar)
      Utah (F)	iii		-ii.vii% (SelectHealth)	23.3% (Molina).
      Vermont	2		7.48% (BCBS of VT)	10.88% (MVP Wellness Plan)
      Virginia (F)	7***		-vii.2% (Optima)	45.1% (GHMSI
      Washington (F)	five	thirteen.8%	0.3% (BridgeSpan)	eighteen.half dozen% (Kaiser)
      W Virginia	ii		thirteen.one% (CareSource)	xv.ix% (Highmark)
      Wyoming	1	-0.26%**	NA (One insurer)	NA (One insurer)
      *Subsidiaries are grouped past parent insurer. **Statewide individual market average rate alter is but shown if an average was provided by the country through a press release. Delaware, Iowa, Nebraska, Ohio, Oklahoma, and Wyoming figures are the boilerplate on-exchange rate increases for substitution-participating insurers. ***Anthem is planning to reenter the Maine marketplace. Oscar is planning to enter the Arizona, Florida, and Michigan marketplaces. Presbyterian is planning to reenter the New Mexico marketplace. Wellmark is planning to reenter the Iowa market. Medica is planning to enter the Missouri and Oklahoma marketplaces. Centene is planning to enter the Northward Carolina, Pennsylvania, and Tenessee marketplaces. Geisinger Quality Options is reentering the Pennsylvania marketplace. Bright Wellness is planning to enter the Arizona and Tennessee marketplaces. Virginia Premier is planning to enter the Virginia marketplace. Some entering insurers practise not accept charge per unit changes, considering they did not participate in the nongroup market the previous year. Annotation: 2019 premiums and insurer participation are still preliminary and subject to alter unless otherwise noted as Terminal (F). SOURCE: Kaiser Family Foundation Table four analysis of premium data from insurer charge per unit filings to country regulators, data released by state insurance departments, and www.ratereview.healthcare.gov

    • Health Benefits In 2018: Pocket-sized Growth In Premiums, Higher Worker Contributions At Firms With More Low-Wage Workers
      Annual family premiums for employer-sponsored wellness insurance rose five percentage to average $19,616 this yr, extending a seven-yr run of moderate increases, finds the 2018 benchmark KFF Employer Wellness Benefits Survey released today. On boilerplate, workers this year are contributing $5,547 toward the toll of family coverage, with employers paying the rest. Read the full study.
    • 
    • The ACA Marketplaces Open for Enrollment: two-Minute Video on What to Know. Video For Consumers 2018: "November 1 marked the first day of open enrollment for the Affordable Care Act's (ACA) health insurance marketplaces.  Watch and share this video to sympathize bones facts about ACA enrollment at healthcare.gov. The Commonwealth Fund'due south Sara Collins shares updated data with consumers who are shopping for health plans. Collins reminds viewers that the ACA has not been repealed, and that affordable health insurance — and enrollment assistance – is available. Wellness plan premiums are ascent, Collins says, however most people with marketplace insurance will be protected from the increases cheers to the ACA's premium subsides."
    • States Step Upwards to Protect Consumers in Wake of Cuts to ACA Toll-Sharing Reduction Payments.
      Authors include Kevin Lucia, who spoke at 2 NCSL events in the past year, and Sabrina Corlette of Georgetown Academy's Center for Wellness Insurance Reform.
      On Oct. 27, 2017 a new written report "States Pace Up to Protect Consumers" by The Commonwealth Fund explains that many marketplace enrollees volition be insulated from the loss of CSR funds and "the resulting premium hikes in 2018, thanks to subsidies that rise with premium costs and the actions of many state insurance departments. How consumers paying full cost fare will depend largely on state officials' decisions. The authors break down how each state has managed the uncertainty over — and eventual termination of — the toll-sharing reduction payments. For instance, a majority of states assumed payments would not be fabricated and practical the premium increment to argent plans only, leaving bronze and gold plans affordable for people with or without premium subsidies."

    • Insurer Participation Downward, Premiums Up In Uncertainty-Plagued Marketplaces
      On October xxx, HHS reported on health plan choice and premiums in the 2018 federal exchange. Insurer participation is down for 2018 from 2017 and premiums, peculiarly for the criterion silver plans, are upwardly dramatically, reflecting recent assistants steps that have buffeted the marketplaces. Total summary past Prof. Tim Jost published by Health Affairs, 10/30/2017.

    • HHS Written report: Health Programme Choices and Premiums in the 2018 Federal Health Insurance Exchange. The report documents what was already widely known—insurer participation in the exchanges is down for 2018 from 2017 and premiums, particularly the benchmark silver programme premiums, are upwards dramatically. Advance premium tax credits (APTC), however, are also up sharply, and most consumers who purchase coverage through the exchange may notice that coverage costs less than final year after APTC are applied.

    • HHS Map of Wellness Insurer Coverage
      

    • States Where Wellness Substitution Premiums Are Increasing.   In the week before the 2018 open up enrollment period began, an contained wellness policy study explained the land of premiums on the wellness exchanges created past the ACA/Obamacare. The new analysis from Avalere of filings from the 40 Healthcare.gov states," shows exchange premiums for the most widespread type of exchange programme (silvery level) will exist 34 percentage higher, on average, compared to last year'south 25 per centum." These averages omit the 10 states that run their own exchanges and sometimes outpace the federally run versions.
      • Largest Increases: in Iowa (69 pct), Wyoming (65 percent) and Utah (64 pct). Iowa requested to waive certain aspects insurance to avoid large increases, merely was forced to withdrew their asking on Oct. 23 when it became clear that information technology would be rejected by the Trump administration.
      • Premium decreases: In Alaska, by 22 percentage; in Arizona, past 6 percent; and in Due north Dakota, by 4 percent.
      • New Assay Finds Senate Tax Bill Results in Premium Increases for Many Who Purchase Their Own Coverage [Read the post and graphs, by The Commonwealth Fund, xi/21/2017]
      • Premium Increases if Mandate is Repealed - l-state graph for 27-yr, 40-year and lx-year olds.

      • CAPITOL TO CAPITOL ON HEALTH Care: Private Mandate Repeal: The Senate taxation bill repealed the requirement in the Affordable Care Act (ACA) for individuals to have health coverage, which the Congressional Budget Office (CBO) projects would salvage the government $338 billion over the adjacent 10 years. Repeal of the individual mandate, however, could potentially have an firsthand bear on on penalties, insurance premiums and health insurance decisions for millions of Americans. (NCSL, Updated 12/4/2017)

      • 
    • 2018 Premium Table for Average Bronze, Gold and Platinum Health Exchange Plans (Healthcare.gov states only) - Open: 50-state Tabular array #2 in new window
    • Penalties for non having wellness insurance - 2015  Article and map, originally posted by The New York Times, xi/29/2017  
    • HHS announces a ninety percent cut to funds for health enrollment programs in all l states, from $100 1000000 for autumn 2016, down to $10 million for autumn 2017. Additionally, grants to well-nigh 100 nonprofit groups, known as navigators, that help people enroll in health plans offered by the insurance marketplaces will be cut to a total of $36 meg, from about $63 million. [Read CMS Bulletin, Aug. 31, 2017]; additional news and analysis online: Kaiser Health News | The New York Times |
    • 2018 Premium Changes: The Choice: Return to a Broken Health Insurance Market place or Move Toward Marketplace Stability  |  Chart pack online. States face a June 21, 2017 deadline to file initial premium rates for plans to be sold in 2018 through exchanges. Rates are locked in past Aug. 16, 2017, although deadlines could exist adjusted by emergency regulation. published past The Democracy Fund, vi/12/2017
    • An Early Await at 2018 Premium Changes and Insurer Participation on ACA Exchanges| Report Online. published by Kaiser Family Foundation. August 2017
    • Projected Changes in Health Coverage, 2017-2016  Pop-out Graph equally calculated past the Congressional Budget Function, seven/twenty/2017.  Posted with explanation by The New York Times.
    • 
    • 2018 Preliminary Premium Rates by States: Proposed, non last
      Download PDF 50-country table. Calculated by a private third political party researcher Charles Gaba, and not binding for states, as of 8/14/2017.

    • ONE LAST Effort TO REPEAL THE ACA- Sept. 20, 2017
      After legislation to repeal and supercede the Affordable Intendance Deed failed in a dramatic Senate vote in July, it appeared that Republicans on Capitol Loma had dropped the effort. Notwithstanding, Senators Lindsay Graham (R-Due south.C.) and Bill Cassidy (R-La.) are reviving the wellness care debate and unveiled legislation to repeal and replace the ACA in a final-ditch effort to supersede the law earlier Sept. xxx, the final 24-hour interval of the fiscal yr. Read Capitol to Capitol, 9/eighteen/2017]

    • 2017 health insurance plans and prices, by ZIP code or county - "See-Plans" provides access to full descriptions at HealthCare.gov.
      • 2017 Boilerplate Monthly Marketplace Premiums, Issuers and Plans - a one-click 50-land table. (see pages 31-32 from the 40-page HHS report described below)
      • Individual Market Premium Changes: 2013 – 2017 - published past ASPE/HHS, v/23/2017
      • Consumers with special situation set up to purchase for the residue of 2017 can visit HealthCare.gov to bank check out options for 2017 coverage through Oct thirty, 2017
    • Employer-Sponsored Health at the State Level, 2017: Premiums and Deductibles Continue to Rise
      While costs related to the Affordable Care Human activity marketplaces, the majority of non-elderly Americans (51.half dozen pct) go along to go their health insurance coverage from an employer.  A new analysis from University of Minnesota highlights the experiences of private sector workers with employer-sponsored insurance (ESI) from 2013 through 2017 at the national level and within u.s.. Their study includes a Two-page fact sheet on ESI for each state; split 50-state interactive map showing premiums for in 2017, with links to state profile pages, and l-state comparison tables.
    • 2107 Employer Health Benefits Survey. Almanac premiums for employer-sponsored family wellness coverage.rose an average of three per centum to $18,764 this year, with workers on average paying $5,714 towards the cost of their coverage, continuing a half dozen-twelvemonth run of relatively pocket-sized increases, according to the Kaiser Family Foundation/ HRET.
    • For 2016 among the roughly 85 percent of HealthCare.gov consumers with premium tax credits, the average monthly net premium increased but $4, or 4 percent, from 2015 to 2016, according to an HHS study.
    • ♦  For comparison, the2016Employer Health Benefits Survey showed almanac premiums for employer-sponsored family wellness coverage reached $18,142 year, up iii percent from 2015 with workers on average paying $5,277 towards the cost of their coverage. Summary | Full Report.
    • 
    • Health Plan Choice and Premiums in the 2017 Health Insurance Marketplace. Read the full new study released by HHS Oct 24, 2016. It shows that 72 percent of Marketplace consumers in states using HealthCare.gov volition be able to find plans with a premium of less than $75 per month and 77 percent will be able to observe plans with premiums below $100, taking into account financial assistance. The report as well shows that consumers will take options, with an average of 30 health insurance plans to choose from. fifty-state premium examples with and without subsidies are provided.+
    • • 2017 health insurance plans and prices, by zip code or county - access to full programme descriptions, effective 11/1/2016
      • 2017 Average Monthly Marketplace Premiums, Issuers and Plans - a one-click 50-state table, effective 11/ane/2016 for 2017 coverage
    • Using Cost Estimators to Aid Consumers Understand Health Plan Costs
      The Affordable Intendance Deed'due south health insurance marketplaces were designed to help consumers buy insurance on their own. In the marketplaces, people can and compare plans in one identify. However, shopping for insurance tin can even so be challenging. Consumers are very interested in—but often confused by—a health plan'due south cost.
      A new upshot brief explores the marketplace's utilize of total cost estimators—tools that help consumers estimate a plan's total costs, including premiums, subsidies, and expected cost-sharing. Through interviews with marketplace officials and other stakeholders, the authors for The Commonwealth Fund examine the benefits and challenges of these tools.
    • 2017 premium increases emerged: A private not-profit web service past Charles Gaba posts a comprehensive tracker of rate filings including projected overall, weighted boilerplate charge per unit changes for the individual market place. Kaiser Family Foundation has an exam of 2017 premium changes and issuer participation. It is presented with the post-obit statement, " in full general, 23 percent seems to be the number to look at for requested increases overall." During September and October information technology was upward to land regulators to either corroborate or change those requests."
    • Market Premiums later Shopping, Switching, and Premium Tax Credits, 2015-2016.  Health insurance charge per unit information becomes available each leap as issuers file proposed rates with federal and state regulators. Rates so undergo review before being finalized in the fall, prior to the annual Health Insurance Market place Open Enrollment Period.  Neither the proposed nor final rates offered by any private issuer provide a reliable basis for predicting what typical Marketplace consumers volition pay in the following yr. Consumers' actual wellness insurance premiums.
    • 2016 Employer Health Benefits Survey.  Almanac premiums for employer-sponsored family health coverage reached $18,142 this year, up iii percent from last year, with workers on average paying $five,277 towards the toll of their coverage. Summary | Full Report.  Kaiser/HRET survey, published 9/2016.
      • 2015 Employer Wellness Benefits Survey.  Annual premiums for employer-sponsored family health coverage include a modest increase (iv percent) in the average premiums for both single and family coverage in the past year. The average annual unmarried coverage premium is $six,251 and the average family unit coverage premium is $17,545.this year. Full Written report
      • 2014 Employer Health Benefits Survey.  Annual premiums for employer-sponsored family health coverage reached $xvi,834 that year, upwardly three pct from the previous yr, with workers on average paying $iv,823 towards the cost of their coverage. Summary of Findings | Full report.
    • Drivers of Health Insurance Premium Changes for 2017 - An consequence cursory produced past the American Academy of Actuaries' Individual and Small-scale Grouping Markets Committee, "Drivers of 2017 Health Insurance Premium Changes." There are both upward and down pressures on premiums for 2017, but "for the individual and small group markets as a whole, the factors driving premium increases boss," said Academy Senior Health Swain Cori Uccello. "Increased health care costs and the end of the ACA'south transitional reinsurance program are two of the biggest factors pressuring rates higher. The 1-year moratorium of the wellness insurance provider fee volition partially offset these increases."
    • Drivers of 2016 Health Insurance Premium Changes. The Affordable Care Act (ACA) established three premium stabilization programs: the permanent take a chance adjustment program and the transitional adventure corridor and reinsurance programs. They take provided some stability for the outset iii years of the implementation of the Affordable Care Human action's private and small group market place reforms; the reinsurance program is credited with reducing market place premiums for 2014 by 10 to 14 percent and for 2015 by vi to 11 per centum.
    • 2016 Segal Health Plan Cost Trend Survey - A commercial sector major survey, well respected for policy research. Download report - tendency-survey-2016.pdf
    • 2015 Segal Wellness Plan Toll Trend Survey - (compare to 2016, above)  Download study - 2015trendsurvey.pdf
    • Analysis of 2016 Premium Changes and Insurer Participation in the ACA's Health Insurance Marketplaces - report by Kaiser Family unit Foundation, June 24, 2015 [Excerpt]

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Source: https://www.ncsl.org/research/health/health-insurance-premiums.aspx