Consumer Response to a National Marketplace for Individual Insurance. Appendix 4 - State-specific Premiums and Scenario Adjustors

06/28/2008

STATE S_PREM F_PREM S_FLATE F_FLATE REG MIN MOD MAX SCEN1 SCEN2 SCEN3 SCEN1_P SCEN2_P SCEN3_P
AK 1529 2683 1.051066 1.001716 S 1.10 1.16 1.23 TX AL AL 1.247 1.0975 1.0975
AL 1645 3447 1.130806 1.28893 S 1.06 1.10 1.14 TX AL AL 1.247 1.0975 1.0975
AR 1440 1953 0.989885 0.729165 w 1.12 1.19 1.26 TX AL AZ 1.247 1.0975 1.117
AZ 1570 2178 1.07925 0.813171 w 1.07 1.12 1.16 TX AL AZ 1.247 1.0975 1.117
CA 1640 2799 1.127369 1.045025 w 1.16 1.26 1.36 TX AL AZ 1.247 1.0975 1.117
CO 1311 2811 0.901208 1.049505 w 1.12 1.20 1.28 TX AL AZ 1.247 1.0975 1.117
CT 2084 3739 1.432584 1.39598 NE 1.15 1.24 1.33 TX AL NH 1.247 1.0975 1.195
DE 1220 2026 0.838853 0.75642 NE 1.06 1.67 2.28 TX AL NH 1.247 1.0975 1.195
FL 1551 2879 1.066189 1.074894 S 1.15 1.82 2.48 TX AL AL 1.247 1.0975 1.0975
GA 1674 3679 1.150741 1.373579 s 1.12 1.24 1.36 TX AL AL 1.247 1.0975 1.0975
HI 1454.71 2678.4-05 1 1 w 1.07 1.69 2.30 TX AL AZ 1.247 1.0975 1.117
IA 1123 1386 0.771973 0.517472 MW 1.06 1.67 2.28 TX AL NE 1.247 1.0975 1.1235
ID 1572 3248 1.080625 1.212662 W 1.04 1.68 2.31 TX AL AZ 1.247 1.0975 1.117
IL 1657 2670 1.139055 0.993882 MW 1.11 1.18 1.24 TX AL NE 1.247 1.0975 1.1235
IN 1296 2505 0.890897 0.935258 MW 1.11 1.22 1.34 TX AL NE 1.247 1.0975 1.1235
KS 1333 3413 0.916331 1.274266 MW 1.10 1.16 1.23 TX AL NE 1.247 1.0975 1.1235
KY 1304 2456 0.896393 0.916934 s 1.11 1.22 1.33 TX AL AL 1.247 1.0975 1.0975
LA 1372 2826 0.943141 1.056106 s 1.12 1.20 1.28 TX AL AL 1.247 1.0975 1.0975
MA 1454.71 2678.405 1.3 1.3 NE 1.13 1.93 2.78 TX AL NH 1.247 1.0975 1.195
MD 1231 2100 0.846214 0.784049 NE 1.18 1.87 2.55 TX AL NH 1.247 1.0975 1.195
ME 1454.71 2678.405 1.1 1.1 NE 1.13 1.93 2.78 TX AL NH 1.247 1.0975 1.195
Ml 1140 1957 0.783859 0.730659 MW 1.08 1.69 2.31 TX AL NE 1.247 1.0975 1.1235
MN 1546 2828 1.062752 1.055852 MW 1.14 1.22 1.31 TX AL NE 1.247 1.0975 1.1235
MO 1339 2607 0.920456 0.973341 MW 1.12 1.20 1.28 TX AL NE 1.247 1.0975 1.1235
MS 1205 2009 0.828341 0.750073 S 1.08 1.13 1.18 TX AL AL 1.247 1.0975 1.0975
MT 1381 2016 0.935579 0.752687 W 1.11 1.18 1.24 TX AL AZ 1.247 1.0975 1.117
NC 1237 2607 0.850339 0.973341 s 1.14 1.79 2.45 TX AL AL 1.247 1.0975 1.0975
ND 1454.71 2678.405 0.9 0.9 MW 1.08 1.13 1.18 TX AL NE 1.247 1.0975 1.1235
NE 1357 2500 0.932829 0.933391 MW 1.08 1.12 1.17 TX AL NE 1.247 1.0975 1.1235
NH 1454.71 2678.405 1.1 1.1 NE 1.12 1.20 1.27 TX AL NH 1.247 1.0975 1.195
NJ 2732 6004 1.878032 2.241633 NE 1.12 1.94 2.76 TX AL NH 1.247 1.0975 1.195
NM 1202 2204 0.826279 0.822878 W 1.12 1.19 1.26 TX AL AZ 1.247 1.0975 1.117
NV 1930 3654 1.326721 1.364245 W 1.15 1.25 1.34 TX AL AZ 1.247 1.0975 1.117
NY 1454.71 2678.405 1.9 1.9 NE 1.14 1.93 2.79 TX AL NH 1.247 1.0975 1.195
OH 1342 2424 0.922518 0.905016 MW 1.08 1.69 2.31 TX AL NE 1.247 1.0975 1.1235
OK 1476 2296 1.014632 0.857227 S 1.10 1.17 1.23 TX AL AL 1.247 1.0975 1.0975
OR 1493 2435 1.026318 0.909123 W 1.08 1.88 2.68 TX AL AZ 1.247 1.0975 1.117
PA 1251 2055 0.859963 0.767248 NE 1.10 1.73 2.37 TX AL NH 1.247 1.0975 1.195
RI 1298 2584 0.892271 0.964753 NE 1.12 1.76 2.40 TX AL NH 1.247 1.0975 1.195
SC 1576 2804 1.083374 1.046892 S 1.08 1.13 1.18 TX AL AL 1.247 1.0975 1.0975
SD 1135 2727 0.780222 1.018143 MW 1.10 1.17 1.23 TX AL NE 1.247 1.0975 1.1235
TN 1362 2602 0.936266 0.971474 S 1.12 1.19 1.26 TX AL AL 1.247 1.0975 1.0975
TX 1531 2891 1.05244 1.079374 S 1.15 1.25 1.34 TX AL AL 1.247 1.0975 1.0975
UT 1308 2530 0.899146 0.944592 w 1.11 1.18 1.25 TX AL AZ 1.247 1.0975 1.117
VA 1572 2619 1.080625 0.977821 s 1.16 1.82 2.49 TX AL AL 1.247 1.0975 1.0975
VR 1454.71 2678.405 1 1 NE 1.06 1.83 2.61 TX AL NH 1.247 1.0975 1.195
WA 1634 3342 1.123245 1.247758 W 1.12 1.93 2.75 TX AL AZ 1.247 1.0975 1.117
WI 1334 1880 0.917019 0.694443 MW 1.08 1.14 1.19 TX AL NE 1.247 1.0975 1.1235
WV 1454.71 2678.405 0.9 0.9 S 1.11 1.75 2.39 TX AL AL 1.247 1.0975 1.0975
WY 1185 2140 0.814593 0.798983 w 1.12 1.23 1.35 TX AL AZ 1.247 1.0975 1.117

Appendix 4, titled State Specific Premiums and Scenario Adjustors, is intended to show the adjustment factors applied to state health insurance premiums for both single and family plans for each of the scenarios used in the project analysis.  Adjusters were applied to each state’s premiums for geography (designated by the region in which the state was located), relative health care costs, and amount of regulatory activity (designated by a category of minimum, moderate, or maximum amount of regulation).

Key:
STATE-State of Insured
S_PREM-Single premium aggregate base
F_PREM-Family premium aggregate base
S_FLATE-State-specific single premium supply cost adjustment
F_FLATE-State-specific family premium supply cost adjustment
REG-Region mapping  
MIN-Minimum state-specific effect of regulation
MOD-Moderate state-specific effect of regulation
MAX-Maximum state-specific effect of regulation
SCENX-X denotes scenario, State mapped for residents under scenario
SCENX_P-X denotes scenario, Scenario & state specific new regulation adjustor

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