• Across all consumers plan selections with or without advance premium tax credits,79 percent have available an option with a net premium of less than $100 after the advance premium tax credit given the available plans in their rating areas.6 Based on actual plan choices and re-enrollments to date, 53 percent of individuals have selected or re-enrolled in a plan with a net premium of $100 or less after advance premium tax credit.

    Similarly, 66 percent of individuals could select a plan with a premium of $50 or less after the advance premium tax credit, but based on plan selections and re-enrollment to date, only 31 percent of individuals have selected or re-enrolled in plans with a net premium of $50 or less after the advance premium tax credit.7

    TABLE 1: Reduction in Average Monthly Premiums from Advance Premium Tax Credits from November 15, 2014 through January 30, 2015, 37 HealthCare.gov States8

    State
    Total Number of Individuals with a Plan Selection
    (as of 1-30-15)
    		 Percent of Plan Selections with APTC Average Monthly Premium before APTC Average Monthly APTC Average Monthly Premium After APTC Average Percent Reduction in Premium after APTC
    Alaska 17,466 88% $652 $534 $119 82%
    Alabama 142,525 89% $360 $268 $92 75%
    Arkansas 56,970 88% $397 $287 $110 72%
    Arizona 174,440 75% $288 $158 $130 55%
    Delaware 21,276 83% $411 $265 $146 64%
    Florida 1,339,791 93% $384 $297 $88 77%
    Georgia 448,512 90% $353 $277 $76 79%
    Iowa 38,243 85% $380 $263 $117 69%
    Illinois 296,293 78% $343 $210 $133 61%
    Indiana 193,567 88% $446 $325 $120 73%
    Kansas 82,960 80% $307 $214 $94 70%
    Louisiana 148,552 89% $430 $322 $108 75%
    Maine 64,069 89% $434 $337 $97 78%
    Michigan 304,679 88% $373 $240 $133 64%
    Missouri 219,065 88% $370 $284 $86 77%
    Mississippi 87,356 94% $411 $364 $47 89%
    Montana 48,356 84% $351 $232 $119 66%
    North Carolina 479,748 92% $418 $317 $100 76%
    North Dakota 15,997 86% $375 $230 $145 61%
    Nebraska 64,008 88% $355 $245 $110 69%
    New Hampshire 47,434 70% $392 $251 $141 64%
    New Jersey 216,425 83% $481 $309 $172 64%
    New Mexico 44,431 75% $332 $202 $130 61%
    Nevada 56,421 90% $373 $248 $125 67%
    Ohio 202,379 84% $397 $247 $150 62%
    Oklahoma 105,668 79% $302 $208 $95 69%
    Oregon 94,126 78% $343 $203 $141 59%
    Pennsylvania 429,996 81% $361 $230 $132 64%
    South Carolina 172,360 88% $373 $283 $90 76%
    South Dakota 18,554 88% $364 $234 $130 64%
    Tennessee 193,207 82% $321 $211 $110 66%
    Texas 969,461 86% $337 $242 $95 72%
    Utah 120,391 88% $250 $159 $92 63%
    Virginia 329,447 83% $353 $260 $93 74%
    Wisconsin 182,581 89% $450 $319 $130 71%
    West Virginia 28,482 85% $457 $314 $143 69%
    Wyoming 18,463 91% $558 $423 $135 76%
    Total for 37 States Using HealthCare.gov Platform 7,473,699 87% $374 $268 $105 72%
    6For more information see the ASPE Issue Brief “Health Plan Choice and Premiums in the 2015 Health Insurance Marketplace” (December 2014), available at: http://aspe.hhs.gov/health/reports/2015/premiumReport/healthPremium2015.pdf.
    7Among new plan selections and re-enrollments qualifying for an APTC, 89 percent of individuals could have selected a plan with a premium after tax credit of $100 or less, but among actual plan selections or re-enrollments, 61 percent of individuals have selected a plan with premium after tax credit of $100 or less. Similarly 76 percent of individuals qualifying for an APTC could have selected a premium after credit of $50 or less, but among actual plan selections or re-enrollments, 35 percent of individuals qualifying for an APTC have selected a plan with a premium after advance premium tax credit of $50 or less.
    8 Source: ASPE computation of CMS data for 37 states using the HealthCare.gov platform as of 1-30-15.