Health Plan Choice and Premiums in the 2015 Health Insurance Marketplace. Appendix: Tables by State and City

12/04/2014

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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