Review Health Insurance Premiums and Increases

Review Health Insurance Premiums and Increases - The increased cost of health insurance is a central fact in any discussion of health policy and health delivery.  Annual premiums edged beyond $17,500 for an average family.  For those Americans who are fully-covered, these cost realities affect employers, both large and small, plus the "pocket-book impact" on ordinary families. Yet for 2016 among the roughly 85 percent of HealthCare.gov consumers with premium tax credits, the average monthly net premium increased just $4, or 4 percent, from 2015 to 2016, according to an HHS report. 
2016 Plan Year Premiums

• Marketplace Premiums after Shopping, Switching, and Premium Tax Credits, 2015-2016.  Health insurance rate information becomes available each spring as issuers file proposed rates with federal and state regulators. Rates then undergo review before being finalized in the fall, prior to the annual Health Insurance Marketplace Open Enrollment Period.  Neither the proposed nor final rates offered by any individual issuer provide a reliable basis for predicting what typical Marketplace consumers will pay in the following year. Consumers’ actual health insurance premiums. HHS/ASPE, published 4/12/2016.  *NEW*
• Proposed Premium Rate Increases for 2016: The Jury Is Still Out -Report by The Commonwealth Fund, July 21, 2015. [Full text online]
• Drivers of Health Insurance Premium Changes for 2017 - A new issue brief produced by the American Academy of Actuaries’ Individual and Small Group Markets Committee, “Drivers of 2017 Health Insurance Premium Changes.”
          “There are both upward and downward pressures on premiums for 2017, but for the individual and small group markets as a whole, the factors driving premium increases dominate,” said Academy Senior Health Fellow Cori Uccello. “Increased health care costs and the end of the ACA’s transitional reinsurance program are two of the biggest factors pressuring rates higher. The one-year moratorium of the health insurance provider fee will partially offset these increases.” Released 3/9/2017.  *NEW* 
• 2016 Segal Health Plan Cost Trend Survey - A commercial sector major survey, well respected for policy research. Download report - trend-survey-2016.pdf 
• 2015 Segal Health Plan Cost Trend Survey - (compare to 2016, above)  Download report - 2015trendsurvey.pdf
• Analysis of 2016 Premium Changes and Insurer Participation in the ACA’s Health Insurance Marketplaces - report by Kaiser Family Foundation, June 24, 2015 [Excerpt]

Review Health Insurance Premiums and Increases - This report presents an analysis of changes in the premiums for the lowest- and second-lowest cost silver marketplace 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 Marketplace premiums.  In most of these 11 major cities, the authors find that the costs for the lowest and second-lowest cost silver plans – where the bulk of enrollees tend to migrate – are changing 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 4.4% higher in 2016 than in 2015. Benchmark premium changes in 2016 vary significantly across the cities, ranging from a decrease of 10.1% in Seattle, Washington to an increase of 16.2% in Portland, Oregon.

2015 to 2016: Monthly Benchmark Silver Premiums for a 40 Year Old Non-Smoker Making $30,000 / Year
State	Rating Area (Major City)	2nd Lowest Cost SilverBefore Tax Credit			2nd Lowest Cost SilverAfter 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	2.8%	$208	$208	0.2%
Maine	1 (Portland)	$282	$290	2.9%	$208	$208	0.2%
Maryland	1 (Baltimore)	$235	$246	4.6%	$208	$208	0.2%
Michigan	1 (Detroit)	$230	$226	-1.8%	$208	$208	0.2%
New Mexico	1 (Albuquerque)	$171	$190	11.0%	$171*	$190*	11.0%*
New York	4 (New York City)	$372	$374	0.5%	$208	$208	0.2%
Oregon	1 (Portland)	$213	$248	16.2%	$208	$208	0.2%
Vermont	1 (Burlington)	$436	$476	9.2%	$208	$208	0.2%
Virginia	7 (Richmond)	$260	$288	10.8%	$208	$208	0.2%
Washington	1 (Seattle)	$254	$228	-10.1%	$208	$208	0.2%
Average % change from 2015				4.4%			1.2%
SOURCE: Kaiser Family Foundation analysis of 2016 insurer rate filings to state regulators.- Table 1 NOTES: Rates are not yet final and subject to review by the state. Oregon rates reflect preliminary changes from the state. *Unsubsidized Albuquerque premiums are so low that a 40 year old making $30,000 per year would not qualify for a premium tax credit in 2016

Analysis of 2015 Health Premiums Finds Average Nationwide is Flat.
A new analysis of the Affordable Care Act’s health insurance marketplace costs finds that, nationwide, marketplace premiums did not increase at all from 2014 to 2015, though there were substantial average premium increases in some states and declines in others. The average premiums for the second lowest-cost silver plan—or benchmark plan for calculating the federal subsidy in a given state—were also unchanged. And the average deductible for a marketplace plan increased by just 1 percent year to year.
      The 0 percent change in average premiums is unprecedented when compared with historic trends in both the individual insurance market and employer-based health insurance. Prior to the passage of the Affordable Care Act, from 2008 to 2010, premiums grew an average 10 percent or more per year in state individual insurance markets. Many factors underlie this year’s stability in marketplace premiums, but three important contributors were: an increase in the number of participating insurance carriers; the design of the marketplaces; and the risk stabilization programs for participating insurers. The premiums presented are for a 40-year-old nonsmoker.  See Table 1 below.  Results are weighted to reflect the population distribution across rating regions. The data for single and family premiums are available in an interactive map.
LATEST: Useful statistics direct from the National Health Interview Survey- January–September 2015, from CDC's  National Center for Health Statistics. published February 2016. View or print from the filehttp://www.cdc.gov/nchs/data/nhis/earlyrelease/earlyrelease201602.pdf (120pp PDF)
America's Underinsured: A State-by-State Look at Health Insurance Affordability Prior to the New Coverage Expansions - Published by Commonwealth Fund, March 25, 2014.  Read more »http://www.commonwealthfund.org/Publications/Fund-Reports/2014/Mar/Americas-Underinsured.aspx?omnicid=20


Related NCSL information applying to health exchanges for 2015-1026

• State Actions to Address Health Insurance Exchanges - Latest results from legislative sessions, plus implementation actions since the 2013 launch; updated 2/5/2016
• State-by-State Information Contacts for ACA Enrollment -A Resource for Legislatures (A consumer tool October 2013 enrollment)

“The Cost of Spousal Health Coverage” 

A January 2014 study, examines what can happen when companies looking to save health costs in 2014 require working spouses to get health insurance through their own employer.  Authors find the move has some unexpected consequences, according to a new study by the nonpartisan Employee Benefit Research Institute (EBRI).
The federal ACA requires that employers with 50 or more workers provide health coverage to workers and dependent children until they reach age 26. It does not, however, require employers to provide health coverage to spouses, whether or not they are eligible for other health insurance. In 2011, primary health insurance policyholders spent an average of $5,430 on health care services, compared with $6,609 for spouses. This can make them a target for employers looking to control their health benefit costs. [Full report online, 7pp, PDF]
2015 Employer Health Benefits Survey.  This annual survey of employers provides a detailed look at trends in employer-sponsored health coverage including premiums, employee contributions, cost-sharing provisions, and employer opinions. The 2015 survey included almost 2,000 interviews with non-federal public and private firms. Annual premiums for employer-sponsored family health coverage reached $17,545 this year, up 4 percent from last year, with workers on average paying $4,955 towards the cost of their coverage -- according to the Kaiser Family Foundation/Health Research & Education Trust. -Sep 22, 2015. 
> News Release-  announcing the 2015 Employer Survey is availablehere |  Summary of Findings tab | the Report 
2014 Employer Health Benefits Survey; released Sept. 2014 byKaiser/HRET 
2013 Employer Health Benefits Survey released.  Annual premiums for employer-sponsored family health coverage reached $16,351, up 4 percent from previous year, with workers on average paying $4,565 toward the cost of their coverage, according to the Kaiser Family Foundation/Health Research & Educational Trust (HRET).  Released Aug. 20, 2013. SEE: 2013 Employer Health Benefits Survey.
For 2012, the previous report, annual premiums for employer-sponsoredfamily health coverage reached $15,745, up 4 percent from 2010, with workers on average paying $4,316 toward the cost of their coverage.  A single or Individual employee's coverage cost $5,615, with the worker on average paying $951 out-of-pocket. > See 2012 Kaiser/HRET Employer Health Benefits Survey (EHBS).

 

Background and History

While the overall rate of uninsured Americans has increased in recent years, the percentage of workers offered health insurance and the percentage of workers taking coverage when it was offered have remained relatively steady since the late 1980s, according to a study published in mid-2007 by the nonpartisan Employee Benefit Research Institute (EBRI).  The best 50 state-specific information is provided by AHRQ, in a 30 page compilation titled "Private-Sector Data Premium, Contribution, and Cost Distributions." NCSL has excerpted key items, using years 2008, 2009 and 2010 below.

Older News and Views

Health Insurance Marketplace (Exchange) Premiums for 2014 - Released by HHS September 25, 2013. 
This report summarizes the health plan choices and premiums that will be available in the Health Insurance Marketplace. It contains new information, current as of September 18, 2013, on qualified health plans in the 36 states in which the Department of Health and Human Services (HHS) will support or fully run the Health Insurance Marketplace in 2014. [NCSL Note: this omits all 14 state-run exchanges.] Plan data is in final stages but is still under review as of September 18 and may be revised in HHS systems before being displayed for consumers, so this information is subject to change. This analysis also includes similar information that is publicly available from 11 states and the District of Columbia that are implementing their own Marketplace. This report focuses on the plans with the lowest premiums in each state, as consumers are expected to shop for low-cost plans. Nearly all consumers (about 95%) will have a choice of 2 or more health insurance issuers (often many more) and nearly all consumers (about 95%) live in states with average premiums below earlier estimates.  Online Printer friendly version in PDF format (15 pages).

Latest Complete 50-state data:

• "State Trends in Premiums:" a 2013 Graph of Family Premiumsby Commonwealth Fund (1/8/2015)

• on Employer-Sponsored, Private-Sector enrollment, premiums, and employee contributions for 2011. 77 pages of tables; compiled by AHRQ,

 

ARCHIVE: Private Sector Premium Tables by State

Premium Distributions, Employee Contributions, and Employer Cost Distributions for Private-Sector Employees Enrolled in Single Coverage for 2008, 2009, and 2010

	TOTAL Premium Distributions for Private-Sector Employees Enrolled in Single Coverage (Average in Dollars)			Employee Contribution Distributions for Private-Sector Employees Enrolled in Single Coverage(Average in Dollars)			Employer Cost Distributions for Private-Sector Employees Enrolled in Single Coverage(Average in Dollars)
State	2010	2009	2008	2010	2009	2008	2010	2009	2008
US	4,940	4,669	4,386	1,021	957	882	3,918	3,713	3,505
AK	4,571	6,047	5,293	1,092	842	814	3,479	5,205	4,479
AL	6,085	4,647	4,139	832	1,025	959	5,253	3,622	3,180
AR	4,958	3,717	3,923	891	750	781	4,067	2,965	3,142
AZ	4,178	4,358	4,214	885	851	811	3,293	3,507	3,404
CA	4,811	4,631	4,280	1,048	795	741	3,763	3,836	3,539
CO	4,630	4,570	4,303	883	971	998	3,747	3,600	3,305
CT	5,302	4,909	4,740	1,234	1,082	992	4,068	3,828	3,748
DC	5,653	5,082	4,890	1,180	906	991	4,473	4,176	3,898
DE	5,644	4,955	4,733	1,080	1,101	885	4,564	3,854	3,848
FL	5,120	4,488	4,517	1,073	969	1,065	4,047	3,519	3,452
GA	4,786	4,692	4,160	965	963	972	3,821	3,729	3,189
HI	4,294	4,116	3,831	436	461	451	3,858	3,655	3,380
IA	4,502	4,453	4,146	832	855	756	3,670	3,598	3,390
ID	5,067	4,248	4,104	1,120	762	476	3,947	3,486	3,629
IL	5,015	4,725	4,643	1,127	1,008	954	3,888	3,717	3,689
IN	4,440	4,849	4,495	930	1,070	950	3,509	3,779	3,545
KS	4,710	4,236	4,197	925	976	807	3,785	3,260	3,390
KY	4,683	4,336	4,009	886	1,000	806	3,797	3,337	3,203
LA	5,310	4,861	4,055	1,241	956	868	4,069	3,904	3,188
MA	5,554	5,268	4,836	1,207	1,321	1,110	4,347	3,947	3,726
MD	4,799	4,870	4,360	1,080	1,105	964	3,719	3,764	3,396
ME	5,413	5,119	4,910	1,200	981	1,054	4,213	4,137	3,856
MI	4,713	4,916	4,388	951	946	735	3,762	3,970	3,652
MN	4,964	4,600	4,432	1,023	994	891	3,941	3,606	3,541
MO	4,694	4,393	4,124	1,030	999	956	3,664	3,394	3,168
MS	4,603	4,469	4,124	965	994	749	3,637	3,475	3,375
MT	4,822	4,546	4,355	1,043	768	583	3,779	3,778	3,772
NC	4,992	4,676	4,460	1,084	998	827	3,909	3,677	3,634
ND	4,771	4,127	3,830	767	860	754	4,005	3,266	3,076
NE	5,162	4,312	4,392	1,086	873	1,010	4,075	3,442	3,382
NH	5,153	5,227	5,247	1,098	1,087	1,264	4,056	4,139	3,983
NJ	4,787	4,901	4,798	1,179	1,045	1,033	3,608	3,856	3,766
NM	5,220	4,535	4,074	1,086	934	950	4,134	3,601	3,124
NV	4,980	4,627	3,927	926	842	863	4,054	3,785	3,064
NY	4,719	5,121	4,638	891	1,075	947	3,828	4,047	3,691
OH	4,669	4,261	4,089	952	1,065	885	3,717	3,196	3,204
OK	4,658	4,243	4,072	1,043	815	787	3,615	3,428	3,285
OR	5,186	4,680	4,384	848	627	612	4,339	4,052	3,772
PA	4,959	4,749	4,499	954	917	852	4,005	3,833	3,647
RI	5,557	5,059	4,930	1,147	1,207	1,050	4,409	3,852	3,880
SC	4,835	4,503	4,477	1,006	898	849	3,829	3,606	3,628
SD	4,735	4,262	4,233	948	890	887	3,787	3,372	3,345
TN	4,753	4,549	4,276	970	1,010	914	3,783	3,539	3,363
TX	4,951	4,499	4,205	1,036	991	844	3,915	3,508	3,361
UT	4,501	4,257	4,197	1,086	772	752	3,415	3,485	3,445
VA	5,170	4,590	4,202	1,099	1,060	988	4,071	3,530	3,214
VT	4,960	5,001	4,900	1,114	1,008	986	3,846	3,993	3,915
WA	4,981	4,923	4,404	746	640	569	4,235	4,284	3,836
WI	4,935	5,132	4,777	933	1,011	1,069	4,003	4,121	3,708
WV	5,384	4,700	4,892	1,174	1,085	1,049	4,210	3,615	3,843
WY	5,204	4,703	4,622	802	729	717	4,402	3,974	3,905

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2010 Medical Expenditure Panel Survey-Insurance Component.

Review Health Insurance Premiums and Increases - Premium Distributions, Employee Contributions, and Employer Cost Distributions for Private-Sector Employees Enrolled in Family Coverage for 2008, 2009, and 2010

	TOTAL Premium Distributions for Private-Sector Employees Enrolled in Family Coverage (Average in Dollars)			Employee Contribution Distributions for Private-Sector Employees Enrolled in Family Coverage (Average in Dollars)			Employer Cost Distributions for Private-Sector Employees Enrolled in Family Coverage (Average in Dollars)
State	2010	2009	2008	2010	2009	2008	2010	2009	2008
US	13871	13,027	12,298	3721	3,474	3,394	10150	9,553	8,904
AK	12409	14,182	13,383	3758	4,151	3,248	8651	10,031	10,135
AL	14232	11,978	11,119	3079	3,320	3,265	11152	8,658	7,855
AR	13871	10,969	11,220	4133	2,923	3,085	9737	8,046	8,134
AZ	11816	12,813	12,292	3967	3,617	4,136	7849	9,196	8,156
CA	13819	12,631	12,254	3845	3,483	3,398	9974	9,148	8,856
CO	13393	13,360	11,952	3618	3,370	4,151	9775	9,991	7,801
CT	14888	14,064	13,436	3824	3,511	3,075	11064	10,553	10,360
DC	14671	14,222	13,427	4267	3,623	3,834	10403	10,598	9,593
DE	15206	12,682	13,386	3822	3,423	3,373	11384	9,259	10,013
FL	15032	12,912	12,697	4685	4,275	4,412	10347	8,637	8,284
GA	13114	12,792	11,659	3702	3,597	3,814	9412	9,195	7,845
HI	12062	11,826	11,044	3155	2,868	2,597	8907	8,958	8,447
IA	11379	12,036	10,947	3701	3,184	2,524	7678	8,852	8,423
ID	14703	11,887	10,837	3928	3,233	2,562	10775	8,653	8,275
IL	13884	13,708	12,603	3462	3,396	3,366	10421	10,311	9,237
IN	13240	12,872	13,504	3781	3,257	2,472	9458	9,615	11,032
KS	13460	11,829	11,662	3257	3,132	2,954	10204	8,696	8,709
KY	13352	12,407	11,506	3060	3,408	2,918	10292	8,999	8,589
LA	13230	13,846	11,207	3962	4,108	3,607	9269	9,738	7,600
MA	14576	14,723	13,788	4465	4,088	3,363	10111	10,635	10,425
MD	13952	13,833	12,541	3728	3,671	3,920	10224	10,162	8,621
ME	14606	13,522	13,102	3444	3,857	4,017	11162	9,665	9,085
MI	13148	13,160	11,321	2879	2,819	2,522	10269	10,340	8,799
MN	13903	13,202	13,639	3233	3,712	3,279	10670	9,490	10,360
MO	13740	12,353	11,557	4105	3,644	2,994	9635	8,710	8,563
MS	12754	12,590	11,363	3280	3,907	3,450	9474	8,683	7,905
MT	12312	11,365	11,438	2992	3,898	3,823	9320	7,467	7,615
NC	13221	13,087	12,308	3703	3,936	4,115	9518	9,151	8,192
ND	12496	11,590	11,178	3379	3,210	3,388	9117	8,380	7,790
NE	15204	12,227	11,648	3849	3,532	3,173	11354	8,695	8,475
NH	14058	13,822	13,592	4010	3,527	3,922	10048	10,295	9,670
NJ	14083	13,750	12,789	3952	3,135	3,286	10131	10,615	9,503
NM	14730	12,848	12,071	3630	3,578	4,021	11100	9,270	8,050
NV	13643	12,700	11,487	3492	2,881	3,575	10151	9,820	7,912
NY	12544	13,757	12,824	3492	3,034	3,376	9052	10,723	9,448
OH	13083	11,870	11,425	3286	3,667	2,642	9797	8,204	8,783
OK	12900	11,417	11,053	3715	3,086	3,619	9185	8,330	7,434
OR	13756	12,783	12,585	3888	2,792	3,297	9868	9,991	9,288
PA	13550	13,229	12,339	3013	2,774	2,971	10537	10,455	9,368
RI	14812	13,608	13,363	3308	3,689	2,960	11504	9,919	10,403
SC	13234	12,343	12,068	3641	3,433	3,377	9593	8,910	8,691
SD	12542	11,596	11,382	3793	3,377	3,503	8748	8,219	7,879
TN	12729	12,134	12,302	3461	3,790	3,366	9268	8,344	8,936
TX	14526	13,221	11,967	4500	4,024	3,872	10026	9,197	8,095
UT	12618	11,869	11,783	3545	3,006	2,760	9073	8,863	9,023
VA	13588	12,622	11,935	2997	3,792	3,854	10591	8,831	8,080
VT	13907	14,558	13,091	4477	3,793	3,435	9430	10,764	9,656
WA	14188	12,758	13,036	3685	2,476	3,258	10503	9,282	9,778
WI	14194	14,656	12,956	3139	2,899	3,301	11055	11,756	9,655
WV	14542	12,554	12,887	3359	2,783	3,056	11182	9,771	9,830
WY	13899	14,319	12,734	3178	3,326	3,052	10720	10,993	9,682

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2010 Medical Expenditure Panel Survey-Insurance Component.

Premium Distributions, Employee Contributions, and Employer Cost Distributions for Private-Sector Employees Enrolled in Employee-Plus-One Coverage for 2008, 2009, and 2010

	TOTAL Premium Distributions for Private-Sector Employees Enrolled in Employee-Plus-One Coverage (Average in Dollars)			Employee Contribution Distributions for Private-Sector Employees Enrolled in Employee-Plus-One Coverage (Average in Dollars)			Employer Cost Distributions for Private-Sector Employees Enrolled in Employee-Plus-One Coverage (Average in Dollars)
State	2010	2009	2008	2010	2009	2008	2010	2009	2008
US	9664	9,053	8,535	2498	2,363	2,303	7167	6,690	6,231
AK	9515	10,718	9,907	2555	2,674	2,249	6959	8,044	7,658
AL	10743	9,255	8,053	2383	1,931	2,060	8360	7,324	5,993
AR	9494	7,494	7,854	2483	1,861	2,011	7011	5,633	5,842
AZ	8011	9,105	8,483	2297	2,225	2,513	5714	6,880	5,970
CA	9559	8,863	8,351	2452	2,392	2,123	7107	6,470	6,228
CO	9112	8,846	8,428	2228	2,309	2,558	6884	6,537	5,870
CT	10720	9,524	9,305	2728	2,034	2,380	7992	7,490	6,924
DC	9906	10,212	8,968	2684	2,780	2,479	7222	7,432	6,488
DE	11340	9,703	9,041	2536	2,464	2,215	8804	7,239	6,826
FL	9718	8,703	8,444	3049	2,700	2,705	6669	6,002	5,739
GA	8947	8,890	8,126	2408	2,538	2,617	6539	6,353	5,508
HI	8915	8,241	7,691	2651	2,020	2,101	6264	6,221	5,590
IA	8781	8,468	8,191	2273	1,961	1,924	6508	6,507	6,267
ID	9980	8,312	7,871	2629	2,052	1,736	7351	6,259	6,135
IL	9886	9,199	9,232	2563	2,348	2,460	7323	6,851	6,772
IN	9027	9,011	8,966	2453	2,468	2,021	6574	6,543	6,945
KS	8592	8,082	8,143	2116	2,211	2,251	6477	5,871	5,892
KY	9079	8,179	7,716	2076	2,230	2,066	7003	5,949	5,651
LA	9277	9,880	7,929	2680	2,892	2,428	6597	6,988	5,501
MA	10883	10,500	9,393	3057	2,723	2,164	7825	7,777	7,229
MD	9437	9,989	8,805	2643	2,269	2,407	6794	7,719	6,398
ME	10226	10,030	9,107	2383	2,766	2,688	7843	7,264	6,419
MI	9833	9,606	8,712	2012	1,882	1,759	7821	7,724	6,953
MN	9220	8,685	8,831	2382	2,259	2,257	6828	6,426	6,574
MO	8942	8,483	7,937	2594	2,528	2,288	6347	5,955	5,648
MS	8818	9,095	8,005	2419	2,746	2,719	6399	6,349	5,286
MT	8619	8,582	8,182	2374	2,808	2,222	6245	5,774	5,960
NC	9470	9,081	8,234	2376	2,294	2,435	7094	6,787	5,799
ND	8475	8,054	7,751	2054	2,067	2,095	6421	5,987	5,656
NE	10546	8,416	8,178	2641	2,474	2,375	7905	5,942	5,804
NH	9996	10,236	10,429	2269	2,446	3,005	7727	7,790	7,424
NJ	9411	9,194	8,739	2641	2,047	2,561	6771	7,147	6,178
NM	10642	8,960	7,858	2496	2,402	2,351	8146	6,559	5,507
NV	8980	8,754	7,753	2166	2,118	2,085	6813	6,637	5,668
NY	9358	9,766	8,807	2566	2,342	2,405	6792	7,424	6,402
OH	9268	8,353	8,194	2298	2,375	1,880	6970	5,978	6,313
OK	9413	8,472	7,836	2837	2,116	2,257	6576	6,356	5,579
OR	9713	9,004	8,733	2807	2,277	2,178	6907	6,727	6,556
PA	10018	9,415	9,022	2023	2,121	2,124	7995	7,294	6,898
RI	11064	10,026	9,080	2268	2,637	2,321	8796	7,389	6,759
SC	8800	8,749	8,681	2512	2,764	2,523	6287	5,985	6,158
SD	9806	8,274	8,931	2895	2,312	2,521	6944	5,962	6,410
TN	9046	8,954	8,495	2501	2,575	2,217	6545	6,379	6,278
TX	10018	8,869	8,278	2966	2,598	2,566	7052	6,271	5,712
UT	8394	7,974	8,330	2183	1,740	2,154	6211	6,234	6,176
VA	9938	8,846	7,886	2406	2,474	2,332	7532	6,371	5,554
VT	9530	10,187	9,965	2836	2,614	2,497	6694	7,573	7,468
WA	10311	8,997	8,681	2429	2,397	2,147	7881	6,600	6,534
WI	10521	9,969	9,408	2291	2,300	2,471	8231	7,669	6,937
WV	10500	9,198	8,968	2616	2,366	2,393	7884	6,832	6,574
WY	10193	9,860	8,927	2315	2,376	2,018	7878	7,484	6,909

Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2010 Medical Expenditure Panel Survey-Insurance Component. 
 

State by State, 2004-2006

Many organizations and agencies have reported health premiums over the years. However, state-by-state current data is scarce, and no federal agency releases such figures on an annual basis.
 

For 2007, the Joint Economic Committee of the U.S. Congress released an updated tally of actual premium payments, contained within State by State Economic Snapshots: May 2007, online at http://jec.senate.gov.  Their report indicated an average annual increase of 8.8% during 2004 to 2006.

	Single Coverage Health Care Premium (Average in Dollars)			Family Coverage Health Care Premium (Average in Dollars)			Number Employer-Based	Percent of Population
State	2006	2005	2004	2006	2005	2004
US	4,357	4,046	3,705	11,768	10,927	10,006	156,326,430	53%
AL	4,015	3,728	3,414	10,963	10,180	9,322	2,384,910	53%
AK	5,150	4,782	4,379	12,185	11,314	10,361	332,320	52%
AZ	4,043	3,754	3,438	10,560	9,805	8,979	2,729,070	46%
AR	3,822	3,549	3,250	9,859	9,154	8,383	1,265,580	46%
CA	4,156	3,859	3,534	11,240	10,436	9,557	17,110,580	48%
CO	4,333	4,023	3,684	12,029	11,169	10,228	2,649,060	58%
CT	4,544	4,219	3,864	12,978	12,050	11,035	2,111,690	61%
DE	4,504	4,182	3,830	12,454	11,563	10,589	483,560	58%
DC	4,961	4,606	4,218	13,810	12,822	11,742	269,570	50%
FL	4,477	4,157	3,807	12,283	11,405	10,444	6,176,050	46%
GA	3,922	3,642	3,335	10,958	10,174	9,317	4,656,210	53%
HI	3,668	3,406	3,119	10,091	9,369	8,580	740,990	60%
ID	4,033	3,744	3,429	10,477	9,726	8,908	761,500	54%
IL	4,431	4,115	3,768	12,181	11,310	10,357	7,362,010	59%
IN	4,217	3,916	3,586	11,607	10,777	9,869	3,539,530	58%
IA	4,186	3,889	3,561	11,081	10,289	9,422	1,722,250	59%
KS	4,364	4,052	3,711	11,152	10,354	9,482	1,568,080	59%
KY	4,166	3,868	3,542	11,628	10,797	9,887	2,169,190	4%
LA	4,099	3,806	3,485	12,009	11,150	10,211	2,072,290	49%
ME	4,841	4,495	4,116	12,729	11,819	10,823	665,260	51%
MD	4,376	4,063	3,721	11,590	10,762	9,855	3,321,870	60%
MA	4,870	4,522	4,141	12,418	11,530	10,559	3,762,010	59%
MI	4,608	4,278	3,918	11,482	10,661	9,763	5,835,440	59%
MN	4,480	4,159	3,809	12,122	11,255	10,307	3,232,420	63%
MO	4,186	3,886	3,559	10,834	10,060	9,212	3,129,220	55%
MS	4,242	3,939	3,607	10,806	10,033	9,188	1,309,470	46%
MT	4,328	4,019	3,680	10,625	9,865	9,034	417,910	46%
NE	4,381	4,068	3,725	11,297	10,490	9,606	1,005,160	58%
NV	4,556	4,230	3,874	11,726	10,887	9,970	1,381,070	7%
NH	4,803	4,460	4,084	13,120	12,182	11,158	854,280	66%
NJ	4,566	4,239	3,882	13,437	12,476	11,425	5,428,020	62%
NM	4,000	3,714	3,401	11,317	10,508	9,623	828,840	43%
NY	4,537	4,213	3,858	12,228	11,354	10,397	10,012,430	53%
NC	4,176	3,878	3,551	12,044	11,183	10,241	4,441,010	53%
ND	3,930	3,649	3,342	9,173	8,518	7,800	345,400	6%
OH	4,448	4,130	3,782	11,279	10,472	9,590	6,706,100	59%
OK	4,286	3,979	3,644	11,101	10,307	9,439	1,648,530	48%
OR	4,359	4,047	3,706	11,650	10,817	9,906	1,888,140	52%
PA	4,317	4,009	3,671	11,746	10,906	9,987	7,041,680	58%
RI	5,137	4,770	4,368	12,020	11,160	10,220	584,730	56%
SC	4,437	4,120	3,773	11,734	10,895	9,977	2,079,910	50%
SD	4,056	3,766	3,449	11,788	10,945	10,023	388,100	51%
TN	4,274	3,968	3,634	12,397	11,511	10,541	2,854,050	49%
TX	4,447	4,129	3,781	11,890	11,040	10,110	10,805,450	48%
UT	3,568	3,313	3,034	10,178	9,450	8,654	1,431,430	58%
VT	4,791	4,449	4,074	12,572	11,673	10,690	318,520	52%
VA	4,546	4,221	3,865	12,031	11,171	10,230	4,406,750	60%
WA	4,243	3,940	3,608	12,016	11,157	10,217	3,428,500	56%
WV	4,342	4,032	3,692	11,281	10,474	9,592	867,510	48%
WI	4,618	4,288	3,927	11,933	11,079	10,146	3,198,690	59%
WY	4,423	4,107	3,761	11,393	10,578	9,687	264,970	53%

NOTE:
1 - The JEC is a bicameral Congressional Committee composed of ten members from each the Senate and the House of Representatives.  There are twelve Democrats and eight Republicans on the Committee.  The JEC was established by the Employment Act of 1946 (Public Law 304).  Its main purpose is to make a continuing study of matters relating to the US economy.   The Committee holds hearings, performs research and advises Members of Congress.

Written article By http://www.ncsl.org/research/health/health-insurance-premiums.aspx