TABLE 7
Average Monthly Premiums for Second-Lowest Cost Silver Plans for a 27-Year-Old
(Before Tax Credits), 2014 and 2015 in Selected States
| State | Average Second-Lowest Cost Silver Premium for a 27-Year-Old |
||
|---|---|---|---|
| 2014 | 2015 | % Change | |
| AK | $349 | $449 | 28% |
| AL | $210 | $216 | 3% |
| AR | $241 | $234 | -3% |
| AZ | $164 | $158 | -4% |
| DE | $237 | $247 | 4% |
| FL | $217 | $231 | 6% |
| GA | $235 | $220 | -6% |
| IA | $206 | $215 | 4% |
| IL | $185 | $191 | 3% |
| IN | $270 | $265 | -2% |
| KS | $196 | $187 | -5% |
| LA | $252 | $257 | 2% |
| ME | $266 | $262 | -2% |
| MI | $206 | $207 | 0% |
| MO | $234 | $232 | -1% |
| MS | $311 | $249 | -20% |
| MT | $208 | $196 | -5% |
| NC | $244 | $262 | 8% |
| ND | $233 | $248 | 7% |
| NE | $205 | $216 | 5% |
| NH | $237 | $205 | -14% |
| NJ | $264 | $259 | -2% |
| NM | $184 | $165 | -10% |
| OH | $216 | $220 | 2% |
| OK | $175 | $184 | 5% |
| PA | $200 | $196 | -2% |
| SC | $222 | $222 | 0% |
| SD | $234 | $216 | -8% |
| TN | $161 | $170 | 6% |
| TX | $203 | $210 | 3% |
| UT | $206 | $211 | 2% |
| VA | $222 | $230 | 3% |
| WI | $246 | $251 | 2% |
| WV | $231 | $248 | 7% |
| WY | $343 | $359 | 5% |
Source: Plan information is from the plan landscape files as of November 2014 for 35 states.
Note: The numbers in this table represent premiums before the application of tax credits. Premiums are weighted averages across each county in each state, weighted by the number of Marketplace health plan selections in each county, as of May 12, 2014.
TABLE 8
Number of Marketplace Issuers by State, 2014 and 2015 in Selected States
| State | Number of Issuers in State | Net Change in Number of Issuers in State | Number of New Issuers to the State | Number of Issuers Exiting the State | |
|---|---|---|---|---|---|
| 2014 | 2015 | ||||
| AK | 2 | 2 | 0 | 0 | 0 |
| AL | 2 | 3 | 1 | 1 | 0 |
| AR | 3 | 4 | 1 | 1 | 0 |
| AZ | 10 | 13 | 3 | 3 | 0 |
| DE | 3 | 3 | 0 | 2 | 2 |
| FL | 11 | 14 | 3 | 4 | 1 |
| GA | 5 | 9 | 4 | 4 | 0 |
| IA | 4 | 4 | 0 | 0 | 0 |
| IL | 8 | 10 | 2 | 3 | 1 |
| IN | 4 | 9 | 5 | 6 | 1 |
| KS | 4 | 5 | 1 | 1 | 0 |
| LA | 5 | 6 | 1 | 1 | 0 |
| ME | 2 | 3 | 1 | 1 | 0 |
| MI | 12 | 16 | 4 | 4 | 0 |
| MO | 4 | 7 | 3 | 3 | 0 |
| MS | 2 | 3 | 1 | 1 | 0 |
| MT | 3 | 4 | 1 | 1 | 0 |
| NC | 2 | 3 | 1 | 1 | 0 |
| ND | 3 | 3 | 0 | 0 | 0 |
| NE | 4 | 4 | 0 | 1 | 1 |
| NH | 1 | 5 | 4 | 4 | 0 |
| NJ | 4 | 6 | 2 | 2 | 0 |
| NM | 4 | 5 | 1 | 1 | 0 |
| OH | 12 | 16 | 4 | 5 | 1 |
| OK | 6 | 4 | -2 | 1 | 3 |
| PA | 14 | 15 | 1 | 4 | 3 |
| SC | 4 | 5 | 1 | 1 | 0 |
| SD | 3 | 3 | 0 | 0 | 0 |
| TN | 4 | 5 | 1 | 1 | 0 |
| TX | 12 | 15 | 3 | 3 | 0 |
| UT | 6 | 6 | 0 | 0 | 0 |
| VA | 8 | 9 | 1 | 1 | 0 |
| WI | 13 | 15 | 2 | 2 | 0 |
| WV | 1 | 1 | 0 | 0 | 0 |
| WY | 2 | 2 | 0 | 0 | 0 |
Source: Plan information is from the plan landscape files as of November 2014 for 35 states.
Note: An issuer is counted as “new” in 2015 if it did not offer an individual market health plan in a given state’s Marketplace in 2014 based on its HIOS ID number, and “exiting” if it was active in a given state in 2014 but not in 2015.
TABLE 9
Average Number of Marketplace Plans per County, 2014 and 2015 in Selected States
| State | Average Number of Qualified Health Plans | Net Change in Average Number of Marketplace Plans, 2014-2015 | |
|---|---|---|---|
| 2014 | 2015 | ||
| AK | 34 | 28 | -6 |
| AL | 6 | 17 | 11 |
| AR | 22 | 34 | 12 |
| AZ | 81 | 71 | -10 |
| DE | 19 | 24 | 5 |
| FL | 66 | 42 | -24 |
| GA | 22 | 41 | 19 |
| IA | 27 | 23 | -4 |
| IL | 38 | 46 | 8 |
| IN | 23 | 43 | 20 |
| KS | 32 | 27 | -5 |
| LA | 33 | 44 | 11 |
| ME | 17 | 25 | 8 |
| MI | 29 | 64 | 35 |
| MO | 17 | 20 | 3 |
| MS | 13 | 27 | 14 |
| MT | 26 | 40 | 14 |
| NC | 18 | 26 | 8 |
| ND | 23 | 26 | 3 |
| NE | 23 | 25 | 2 |
| NH | 10 | 38 | 28 |
| NJ | 26 | 45 | 19 |
| NM | 36 | 43 | 7 |
| OH | 30 | 54 | 24 |
| OK | 29 | 29 | 0 |
| PA | 41 | 50 | 9 |
| SC | 25 | 59 | 34 |
| SD | 32 | 38 | 6 |
| TN | 48 | 71 | 23 |
| TX | 25 | 31 | 6 |
| UT | 55 | 69 | 14 |
| VA | 30 | 23 | -7 |
| WI | 49 | 67 | 18 |
| WV | 12 | 14 | 2 |
| WY | 16 | 40 | 24 |
Source: Plan information is from the plan landscape files as of November 2014 for 35 states.
Note: Number of plans in 2014 and 2015 represent the average number of Marketplace QHPs per county within each state. Averages are unweighted and exclude catastrophic plans. Rows may not sum due to rounding.
TABLE 10
Average Monthly Marketplace Premiums, Issuers, and QHPs Available by County, 2014 and 2015 in Selected States
| State | 2015 | 2014 | ||||||||
|---|---|---|---|---|---|---|---|---|---|---|
| Total Number of Issuers in State | Average Number of QHPs per County | 27-Year-Old with an Income of $25,000 | Family of Four with an Income of $60,000 | 27-Year-Old with an Income of $25,000 | Family of Four with an Income of $60,000 | |||||
| Average | Average | Average | Average | |||||||
| Second Lowest Silver Before Tax Credit | Second Lowest Silver After Tax Credit | Second Lowest Silver Before Tax Credit | Second Lowest Silver After Tax Credit | Second Lowest Silver Before Tax Credit | Second Lowest Silver After Tax Credit*** | Second Lowest Silver Before Tax Credit | Second Lowest Silver After Tax Credit | |||
| AK* | 2 | 28 | $449 | $105 | $1,624 | $319 | $349 | $107 | $1,265 | $323 |
| AL | 3 | 17 | $216 | $143 | $783 | $407 | $210 | $145 | $761 | $410 |
| AR | 4 | 34 | $234 | $143 | $847 | $407 | $241 | $145 | $874 | $410 |
| AZ*** | 13 | 71 | $158 | $143 | $573 | $407 | $164 | $144 | $595 | $410 |
| DE | 3 | 24 | $247 | $143 | $893 | $407 | $237 | $145 | $859 | $410 |
| FL | 14 | 42 | $231 | $143 | $835 | $407 | $217 | $145 | $787 | $410 |
| GA | 9 | 41 | $220 | $143 | $797 | $407 | $235 | $145 | $850 | $410 |
| IA** | 4 | 23 | $215 | $143 | $777 | $407 | $206 | $145 | $747 | $410 |
| IL | 10 | 46 | $191 | $143 | $692 | $407 | $185 | $145 | $669 | $410 |
| IN | 9 | 43 | $265 | $143 | $959 | $407 | $270 | $145 | $978 | $410 |
| KS | 5 | 27 | $187 | $143 | $677 | $407 | $196 | $145 | $710 | $410 |
| LA | 6 | 44 | $257 | $143 | $932 | $407 | $252 | $145 | $913 | $410 |
| ME | 3 | 25 | $262 | $143 | $950 | $407 | $266 | $145 | $962 | $410 |
| MI | 16 | 64 | $207 | $143 | $751 | $407 | $206 | $145 | $745 | $410 |
| MO** | 7 | 20 | $232 | $143 | $839 | $407 | $234 | $145 | $847 | $410 |
| MS | 3 | 27 | $249 | $143 | $901 | $407 | $311 | $145 | $1,127 | $410 |
| MT** | 4 | 40 | $196 | $143 | $710 | $407 | $208 | $145 | $752 | $410 |
| NC | 3 | 26 | $262 | $143 | $950 | $407 | $244 | $145 | $883 | $410 |
| ND | 3 | 26 | $248 | $143 | $898 | $407 | $233 | $145 | $842 | $410 |
| NE | 4 | 25 | $216 | $143 | $782 | $407 | $205 | $145 | $742 | $410 |
| NH | 5 | 38 | $205 | $143 | $741 | $407 | $237 | $145 | $859 | $410 |
| NJ** | 6 | 45 | $259 | $143 | $937 | $407 | $264 | $145 | $957 | $410 |
| NM | 5 | 43 | $165 | $143 | $597 | $407 | $184 | $145 | $665 | $410 |
| OH | 16 | 54 | $220 | $143 | $796 | $407 | $216 | $145 | $783 | $410 |
| OK | 4 | 29 | $184 | $143 | $668 | $407 | $175 | $145 | $632 | $410 |
| PA*** | 15 | 50 | $196 | $143 | $709 | $407 | $200 | $144 | $725 | $410 |
| SC | 5 | 59 | $222 | $143 | $805 | $407 | $222 | $145 | $804 | $410 |
| SD | 3 | 38 | $216 | $143 | $783 | $407 | $234 | $145 | $848 | $410 |
| TN | 5 | 71 | $170 | $143 | $614 | $407 | $161 | $145 | $582 | $410 |
| TX | 15 | 31 | $210 | $143 | $760 | $407 | $203 | $145 | $736 | $410 |
| UT | 6 | 69 | $211 | $143 | $681 | $407 | $206 | $145 | $619 | $410 |
| VA | 9 | 23 | $230 | $143 | $833 | $407 | $222 | $145 | $805 | $410 |
| WI** | 15 | 67 | $251 | $143 | $909 | $407 | $246 | $145 | $891 | $410 |
| WV** | 1 | 14 | $248 | $143 | $900 | $407 | $231 | $145 | $835 | $410 |
| WY | 2 | 40 | $359 | $143 | $1,299 | $407 | $343 | $145 | $1,243 | $410 |
| 35 State Average | 7 | 37 | $222 | $143 | $803 | $407 | $218 | $145 | $789 | $410 |
Source: Plan information is from the plan landscape files as of November 2014 for 35 states.
Note: The average number of QHPs per county is unweighted across counties within a state and excludes catastrophic plans. Premiums are weighted averages across all counties in each state, weighted by the county’s number of Marketplace health plan selections as of May 12, 2014. In this example, the family of four is one 40-year-old adult, one 38-year-old adult, and two children under the age of 21. For households eligible for premium tax credits, after-tax-credit benchmark premiums are capped at a given percentage of household income. As shown in the table, after-tax benchmark premiums will differ slightly between 2014 and 2015 for identical family compositions and income amounts because of changes in the applicable percentages and the Federal Poverty Guidelines. The 2014 guidelines are used to calculate benchmark premiums for coverage in 2015, and 2013 guidelines are used for coverage in 2014. Because poverty guideline thresholds generally increase each year, a given dollar amount of income may equate to a smaller percentage of the Federal Poverty Level (FPL) this year than it did in the year previous. For example, a four-person family with an income of $60,000 is at 252 percent of the FPL by 2014 guidelines and at 255 percent of the FPL by 2013 guidelines. As a result, the percentage of income the family would pay for the benchmark plan is smaller for 2015 than for 2014.
* Alaska’s federal poverty guidelines are higher than those for the continental United States; consequently, the after tax credit premium is lower for a given amount of income.
** In all 35 states, our calculations of premiums after tax credits assume that all members of the family of four making $60,000 would be eligible for premium tax credits. However, in states with higher Medicaid/CHIP thresholds the children would be eligible for Medicaid/CHIP and not eligible for premium tax credits.
*** If the benchmark plan premium is below the applicable percentage of income after tax credit, the tax credit-eligible enrollee pays the actual premium. In Pennsylvania and Arizona in 2014, average premiums for second-lowest silver after tax credit for a 27-year-old making $25,000 were below the amount corresponding to the applicable percentage.
TABLE 11
Second-Lowest Cost Silver Plan Monthly Premiums for a 27-Year-Old
(Before Tax Credits), 2014 and 2015 in Selected Cities
| State | City | County | Second-Lowest Cost Silver Monthly Premium for a 27-year-old |
||
|---|---|---|---|---|---|
| 2014 | 2015 | % Change | |||
| AK | Anchorage | Anchorage | $355 | $449 | 26% |
| AK | Juneau | Juneau | $334 | $449 | 34% |
| AL | Birmingham | Jeff rson | $211 | $217 | 3% |
| AR | Little Rock | Pulaski | $251 | $245 | -2% |
| AZ | Phoenix | Maricopa | $161 | $145 | -10% |
| AZ | Tucson | Pima | $138 | $147 | 7% |
| DE | Wilmington | New Castle | $237 | $247 | 4% |
| FL | Ft. Lauderdale | Broward | $199 | $198 | -1% |
| FL | Jacksonville | Duval | $210 | $223 | 6% |
| FL | Miami | Miami-Dade | $221 | $225 | 2% |
| FL | Orlando | Orange | $225 | $244 | 8% |
| FL | Tampa | Hillsborough | $199 | $240 | 21% |
| FL | West Palm Beach | Palm Beach | $220 | $236 | 7% |
| GA | Atlanta | Fulton | $205 | $209 | 2% |
| IA | Cedar Rapids | Linn | $209 | $202 | -3% |
| IL | Chicago | Cook | $174 | $177 | 2% |
| IN | Indianapolis | Marion | $290 | $270 | -7% |
| KS | Kansas City | Wyandotte | $213 | $188 | -12% |
| KS | Wichita | Sedgwick | $184 | $179 | -3% |
| LA | New Orleans | Orleans Parish | $255 | $243 | -5% |
| ME | Portland | Cumberland | $242 | $231 | -5% |
| MI | Detroit | Wayne | $184 | $188 | 2% |
| MO | St. Louis | Saint Louis | $216 | $226 | 5% |
| MS | Jackson | Jackson | $332 | $253 | -24% |
| MT | Bozeman | Gallatin | $206 | $195 | -5% |
| NC | Charlotte | Mecklenburg | $251 | $269 | 7% |
| NC | Greensboro | Guilford | $228 | $259 | 14% |
| NC | Raleigh-Durham | Wake | $222 | $251 | 13% |
| ND | Fargo | Cass | $222 | $223 | 0% |
| NE | Omaha | Douglas | $222 | $216 | -3% |
| NH | Manchester | Hillsborough | $237 | $202 | -15% |
| NJ | Newark | Essex | $264 | $259 | -2% |
| NM | Albuquerque | Bernalillo | $159 | $142 | -11% |
| OH | Cincinnati | Hamilton | $196 | $194 | -1% |
| OH | Cleveland | Cuyahoga | $204 | $202 | -1% |
| OH | Columbus | Franklin | $207 | $219 | 6% |
| OH | Dayton | Montgomery | $212 | $219 | 3% |
| OK | Oklahoma City | Oklahoma | $165 | $179 | 8% |
| OK | Tulsa | Tulsa | $183 | $183 | 0% |
| PA | Philadelphia | Philadelphia | $246 | $219 | -11% |
| PA | Pittsburgh | Allegheny | $139 | $141 | 1% |
| SC | Columbia | Richland | $220 | $226 | 3% |
| SD | Sioux Falls | Lincoln | $217 | $210 | -3% |
| SD | Sioux Falls | Minnehaha | $217 | $210 | -3% |
| TN | Memphis | Shelby | $159 | $158 | -1% |
| TN | Nashville | Davidson | $154 | $166 | 8% |
| TX | Austin | Travis | $205 | $197 | -4% |
| TX | Dallas | Dallas | $223 | $230 | 3% |
| TX | Houston | Harris | $201 | $205 | 2% |
| TX | McAllen | Hidalgo | $155 | $165 | 6% |
| TX | San Antonio | Bexar | $196 | $191 | -3% |
| TX | San Antonio | Comal | $202 | $195 | -3% |
| TX | San Antonio | Medina | $202 | $217 | 7% |
| UT | Salt Lake | Salt Lake | $197 | $202 | 3% |
| VA | Richmond | Henrico | $208 | $213 | 2% |
| WI | Milwaukee | Milwaukee | $258 | $273 | 6% |
| WV | Huntington | Cabell | $220 | $237 | 8% |
| WV | Huntington | Wayne | $220 | $237 | 8% |
| WY | Cheyenne | Laramie | $324 | $334 | 3% |
Note: The premiums in this table represent premiums before the application of tax credits. The number of QHPs in the county excludes catastrophic plans. Plan and premium information is from the Center for Consumer Information and Insurance Oversight as of November 2014 for 35 states.
TABLE 12
Number of Marketplace Plans in County, 2014 and 2015 in Selected Cities
| State | City | County | Number of Plans | Net Change in Number of Marketplace Plans 2014-2015 | |
|---|---|---|---|---|---|
| 2014 | 2015 | ||||
| AK | Anchorage | Anchorage | 34 | 28 | -6 |
| AK | Juneau | Juneau | 34 | 28 | -6 |
| AL | Birmingham | Jefferson | 10 | 21 | 11 |
| AR | Little Rock | Pulaski | 38 | 34 | -4 |
| AZ | Phoenix | Maricopa | 111 | 127 | 16 |
| AZ | Tucson | Pima | 110 | 103 | -7 |
| DE | Wilmington | New Castle | 19 | 24 | 5 |
| FL | Ft. Lauderdale | Broward | 132 | 94 | -38 |
| FL | Jacksonville | Duval | 86 | 44 | -42 |
| FL | Miami | Miami-Dade | 137 | 90 | -47 |
| FL | Orlando | Orange | 98 | 53 | -45 |
| FL | Tampa | Hillsborough | 102 | 53 | -49 |
| FL | West Palm Beach | Palm Beach | 132 | 94 | -38 |
| GA | Atlanta | Fulton | 58 | 89 | 31 |
| IA | Cedar Rapids | Linn | 30 | 29 | -1 |
| IL | Chicago | Cook | 65 | 143 | 78 |
| IN | Indianapolis | Marion | 18 | 68 | 50 |
| KS | Kansas City | Wyandotte | 16 | 24 | 8 |
| KS | Wichita | Sedgwick | 36 | 32 | -4 |
| LA | New Orleans | Orleans | 44 | 55 | 11 |
| ME | Portland | Cumberland | 17 | 25 | 8 |
| MI | Detroit | Wayne | 52 | 126 | 74 |
| MO | St. Louis | Saint Louis | 22 | 41 | 19 |
| MS | Jackson | Jackson | 18 | 24 | 6 |
| MT | Bozeman | Gallatin | 26 | 40 | 14 |
| NC | Charlotte | Mecklenburg | 28 | 44 | 16 |
| NC | Greensboro | Guilford | 17 | 26 | 9 |
| NC | Raleigh-Durham | Wake | 28 | 39 | 11 |
| ND | Fargo | Cass | 24 | 30 | 6 |
| NE | Omaha | Douglas | 43 | 44 | 1 |
| NH | Manchester | Hillsborough | 10 | 39 | 29 |
| NJ | Newark | Essex | 26 | 47 | 21 |
| NM | Albuquerque | Bernalillo | 42 | 51 | 9 |
| OH | Cincinnati | Hamilton | 63 | 102 | 39 |
| OH | Cleveland | Cuyahoga | 42 | 102 | 60 |
| OH | Columbus | Franklin | 26 | 57 | 31 |
| OH | Dayton | Montgomery | 36 | 92 | 56 |
| OK | Oklahoma City | Oklahoma | 61 | 50 | -11 |
| OK | Tulsa | Tulsa | 55 | 50 | -5 |
| PA | Philadelphia | Philadelphia | 24 | 40 | 16 |
| PA | Pittsburgh | Allegheny | 35 | 58 | 23 |
| SC | Columbia | Richland | 28 | 62 | 34 |
| SD | Sioux Falls | Lincoln | 32 | 39 | 7 |
| SD | Sioux Falls | Minnehaha | 32 | 39 | 7 |
| TN | Memphis | Shelby | 72 | 106 | 34 |
| TN | Nashville | Davidson | 72 | 106 | 34 |
| TX | Austin | Travis | 76 | 111 | 35 |
| TX | Dallas | Dallas | 36 | 64 | 28 |
| TX | Houston | Harris | 39 | 71 | 32 |
| TX | McAllen | Hidalgo | 24 | 79 | 55 |
| TX | San Antonio | Bexar | 58 | 95 | 37 |
| TX | San Antonio | Comal | 53 | 80 | 27 |
| TX | San Antonio | Medina | 23 | 33 | 10 |
| UT | Salt Lake | Salt Lake | 85 | 98 | 13 |
| VA | Richmond | Henrico | 43 | 23 | -20 |
| WI | Milwaukee | Milwaukee | 84 | 109 | 25 |
| WV | Huntington | Cabell | 12 | 14 | 2 |
| WV | Huntington | Wayne | 12 | 14 | 2 |
| WY | Cheyenne | Laramie | 16 | 40 | 24 |
Note: The number of QHPs in the county excludes catastrophic plans. Plan information is from the Center for Consumer Information and Insurance Oversight as of November 2014 for 35 states.
TABLE 13
Number of Marketplace Issuers in County, 2014 and 2015 in Selected Cities
| State | City | County | Number of Issuers | Net Change in Number of Marketplace Issuers, 2014-2015 | |
|---|---|---|---|---|---|
| 2014 | 2015 | ||||
| AK | Anchorage | Anchorage | 2 | 2 | 0 |
| AK | Juneau | Juneau | 2 | 2 | 0 |
| AL | Birmingham | Jefferson | 2 | 3 | 1 |
| AR | Little Rock | Pulaski | 3 | 4 | 1 |
| AZ | Phoenix | Maricopa | 10 | 13 | 3 |
| AZ | Tucson | Pima | 10 | 12 | 2 |
| DE | Wilmington | New Castle | 3 | 3 | 0 |
| FL | Ft. Lauderdale | Broward | 8 | 9 | 1 |
| FL | Jacksonville | Duval | 4 | 5 | 1 |
| FL | Miami | Miami-Dade | 9 | 9 | 0 |
| FL | Orlando | Orange | 5 | 6 | 1 |
| FL | Tampa | Hillsborough | 6 | 6 | 0 |
| FL | West Palm Beach | Palm Beach | 8 | 9 | 1 |
| GA | Atlanta | Fulton | 4 | 8 | 4 |
| IA | Cedar Rapids | Linn | 2 | 2 | 0 |
| IL | Chicago | Cook | 6 | 8 | 2 |
| IN | Indianapolis | Marion | 2 | 6 | 4 |
| KS | Kansas City | Wyandotte | 2 | 2 | 0 |
| KS | Wichita | Sedgwick | 3 | 4 | 1 |
| LA | New Orleans | Orleans | 4 | 5 | 1 |
| ME | Portland | Cumberland | 2 | 3 | 1 |
| MI | Detroit | Wayne | 11 | 14 | 3 |
| MO | St. Louis | Saint Louis | 2 | 4 | 2 |
| MS | Jackson | Jackson | 1 | 1 | 0 |
| MT | Bozeman | Gallatin | 3 | 4 | 1 |
| NC | Charlotte | Mecklenburg | 2 | 3 | 1 |
| NC | Greensboro | Guilford | 2 | 3 | 1 |
| NC | Raleigh-Durham | Wake | 2 | 3 | 1 |
| ND | Fargo | Cass | 3 | 3 | 0 |
| NE | Omaha | Douglas | 4 | 4 | 0 |
| NH | Manchester | Hillsborough | 1 | 5 | 4 |
| NJ | Newark | Essex | 4 | 6 | 2 |
| NM | Albuquerque | Bernalillo | 4 | 5 | 1 |
| OH | Cincinnati | Hamilton | 7 | 11 | 4 |
| OH | Cleveland | Cuyahoga | 7 | 11 | 4 |
| OH | Columbus | Franklin | 4 | 8 | 4 |
| OH | Dayton | Montgomery | 6 | 10 | 4 |
| OK | Oklahoma City | Oklahoma | 5 | 4 | -1 |
| OK | Tulsa | Tulsa | 5 | 4 | -1 |
| PA | Philadelphia | Philadelphia | 4 | 6 | 2 |
| PA | Pittsburgh | Allegheny | 5 | 6 | 1 |
| SC | Columbia | Richland | 4 | 5 | 1 |
| SD | Sioux Falls | Lincoln | 3 | 3 | 0 |
| SD | Sioux Falls | Minnehaha | 3 | 3 | 0 |
| TN | Memphis | Shelby | 4 | 5 | 1 |
| TN | Nashville | Davidson | 4 | 5 | 1 |
| TX | Austin | Travis | 7 | 9 | 2 |
| TX | Dallas | Dallas | 4 | 7 | 3 |
| TX | Houston | Harris | 6 | 8 | 2 |
| TX | McAllen | Hidalgo | 3 | 7 | 4 |
| TX | San Antonio | Bexar | 5 | 9 | 4 |
| TX | San Antonio | Comal | 4 | 6 | 2 |
| TX | San Antonio | Medina | 2 | 3 | 1 |
| UT | Salt Lake | Salt Lake | 6 | 6 | 0 |
| VA | Richmond | Henrico | 4 | 3 | -1 |
| WI | Milwaukee | Milwaukee | 4 | 6 | 2 |
| WV | Huntington | Cabell | 1 | 1 | 0 |
| WV | Huntington | Wayne | 1 | 1 | 0 |
| WY | Cheyenne | Laramie | 2 | 2 | 0 |
Note: Plan information is from the Center for Consumer Information and Insurance Oversight as of November 2014 for 35 states. Qualified health plan issuers are counted based on unique HIOS issuer ID number.
TABLE 14
It Pays to Shop: Percent of Current Marketplace Enrollees Who Could Obtain Coverage for $100 or Less after Any Applicable Tax Credits in 2015, Regardless of Metal Level Chosen in 2014
| State | Monthly Premium After Tax Credits | ||
|---|---|---|---|
| $100 or less | $50 or less | $50 to $100 | |
| 35 State Total | 79% | 66% | 12% |
| AK | 82% | 75% | 7% |
| AL | 78% | 68% | 11% |
| AR | 77% | 62% | 16% |
| AZ | 72% | 49% | 22% |
| DE | 69% | 52% | 16% |
| FL | 85% | 76% | 9% |
| GA | 81% | 71% | 10% |
| IA | 74% | 57% | 17% |
| IL | 67% | 49% | 18% |
| IN | 78% | 67% | 12% |
| KS | 73% | 56% | 17% |
| LA | 84% | 76% | 8% |
| ME | 77% | 63% | 14% |
| MI | 81% | 67% | 14% |
| MO | 80% | 69% | 11% |
| MS | 89% | 82% | 8% |
| MT | 65% | 48% | 17% |
| NC | 85% | 76% | 9% |
| ND | 70% | 51% | 19% |
| NE | 78% | 61% | 17% |
| NH | 67% | 51% | 16% |
| NJ | 61% | 43% | 18% |
| NM | 70% | 49% | 20% |
| OH | 75% | 58% | 17% |
| OK | 78% | 67% | 12% |
| PA | 69% | 56% | 13% |
| SC | 83% | 74% | 10% |
| SD | 74% | 56% | 18% |
| TN | 76% | 64% | 13% |
| TX | 80% | 68% | 12% |
| UT | 82% | 60% | 22% |
| VA | 80% | 69% | 11% |
| WI | 78% | 65% | 13% |
| WV | 69% | 54% | 15% |
| WY | 76% | 59% | 17% |
Source: Plan information is from the plan landscape files as of November 2014 for 35 states. Enrollment information is based on active plan selections by in the CMS Multidimensional Insurance Data Analytics System (MIDAS) as of May 12, 2014.
Note: Columns may not sum due to rounding. This analysis holds all enrollee characteristics unchanged and calculates 2015 premiums and tax credits based on the same age, family composition, and household income as percentage of the FPL as in 2014. This analysis includes only enrollees who could be linked to complete plan and premium data for both 2014 and 2015, and excludes tobacco users. Catastrophic plans, which are not available to all consumers, were not considered in these calculations. See the “Methods and Limitations” section for more details.
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