Exhibit 1. Premiums and Premium Increases, Single Coverage, by Metal Tier and State, 2014–2015
Premium increases, 2014–2015
2015 premiums for 40-year-old nonsmoker
All plans
Silver
Catastrophic
Bronze
Silver
Gold
Platinum
0%
3%
0%
8%
$210
$193
$256
$217
$314
$269
$369
$314
$441
$371
Alaska
31%
32%
Arizona
–3%
–2%
$364
$169
$475
$229
$583
$279
$689
$319
n/a
$334
Arkansas
3%
1%
$191
$255
$326
$375
n/a
California
1%
0%
$223
$249
$300
$358
$407
Colorado
–8%
–6%
$222
$262
$323
$366
$405
Connecticut
–1%
–7%
$217
$290
$372
$411
$490
3%
6%
$219
$252
$324
$370
$439
11%
8%
$175
$228
$294
$361
$440
Florida
7%
7%
$249
$303
$369
$419
$487
Georgia
1%
–1%
$208
$247
$307
$365
$443
Hawaii
–3%
–5%
$155
$171
$206
$252
$318
Illinois
–2%
–9%
$210
$238
$289
$342
$406
Indiana
5%
4%
$232
$286
$352
$425
$647
11%
10%
$240
$246
$310
$364
$524
4%
7%
1%
–1%
$158
$181
$205
$220
$245
$277
$286
$326
$341
$345
United States
Alabama
Delaware
District of Columbia
Iowa
Kansas
Kentucky
Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York.
Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 1. Premiums and Premium Increases, Single Coverage, by Metal Tier and State, 2014–2015 (continued)
Premium increases, 2014–2015
2015 premiums for 40-year-old nonsmoker
All plans
Silver
Catastrophic
Bronze
Silver
Gold
Platinum
Louisiana
0%
12%
0%
11%
$210
$209
$256
$274
$314
$359
$369
$411
$441
$454
Maine
–1%
2%
$205
$272
$342
$425
n/a
0%
–2%
$174
$207
$269
$317
$385
Michigan
0%
–1%
2%
–5%
$254
$197
$288
$252
$345
$305
$440
$371
$526
$412
Minnesota
19%
14%
$142
$195
$232
$284
$312
Mississippi
–19%
–15%
$238
$243
$315
$353
$384
Missouri
9%
8%
$216
$245
$306
$358
$330
Montana
3%
3%
$185
$226
$273
$331
$384
Nebraska
10%
4%
$206
$261
$319
$375
$514
4%
1%
$220
$247
$284
$321
$364
16%
13%
$194
$254
$329
$400
$665
New Jersey
2%
–4%
$272
$327
$360
$454
$554
New Mexico
–1%
–3%
$185
$205
$253
$302
$384
North Carolina
12%
13%
$206
$270
$343
$396
$447
North Dakota
7%
7%
$189
$263
$318
$365
n/a
United States
Maryland
Massachusetts
Nevada
New Hampshire
Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York.
Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 1. Premiums and Premium Increases, Single Coverage, by Metal Tier and State, 2014–2015 (continued)
Premium increases, 2014–2015
2015 premiums for 40-year-old nonsmoker
All plans
Silver
Catastrophic
Bronze
Silver
Gold
Platinum
0%
0%
4%
3%
$256
$258
$314
$321
$369
$373
$441
$540
Oklahoma
4%
–1%
$210
$196
$173
$220
$287
$359
$504
Oregon
–5%
–4%
$201
$212
$262
$310
$366
Pennsylvania
12%
12%
$194
$261
$313
$354
$454
Rhode Island
0%
–2%
$199
$228
$284
$340
n/a
South Carolina
10%
3%
$207
$268
$308
$365
$684
South Dakota
–21%
–20%
$203
$243
$289
$368
$421
Tennessee
9%
9%
$171
$200
$258
$344
$438
Texas
5%
2%
$248
$269
$328
$388
$493
Utah
5%
4%
$197
$207
$256
$299
$272
Vermont
9%
9%
$223
$383
$455
$546
$635
Virginia
–56%
–49%
$193
$246
$307
$375
$517
Washington
–1%
–2%
$229
$242
$305
$364
$420
West Virginia
10%
9%
$217
$241
$289
$350
n/a
Wisconsin
7%
9%
$228
$308
$373
$447
$564
Wyoming
5%
6%
$336
$394
$456
$537
$580
United States
Ohio
Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York.
Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 2. Premiums and Premium Changes for the Benchmark Silver Plan in Three Select Rating Regions, by State, 2015
Premium change for the benchmark silver plan, 2014–2015
Premium for the benchmark silver plan for 40-year-old nonsmoker
Urban area
Suburban area
Rural area
Statewide average
Urban area
Suburban area
Rural area
United States
0%
1%
0%
0%
$257
$268
$272
Alabama
2%
–3%
4%
3%
$264
$255
$260
Alaska
26%
29%
34%
28%
$547
$547
$547
Arizona
–10%
7%
13%
–5%
$177
$179
$295
Arkansas
–2%
–2%
–3%
–2%
$278
$299
$276
California
0%
1%
9%
1%
$259
$362
$341
Colorado
–16%
–20%
–30%
–18%
$211
$198
$266
Connecticut
–12%
–14%
–14%
–13%
$302
$375
$297
Delaware
4%
n/a
n/a
4%
$301
n/a
n/a
District of Columbia
5%
n/a
n/a
5%
$253
n/a
n/a
Florida
2%
13%
14%
4%
$274
$340
$310
Georgia
2%
2%
–11%
1%
$255
$260
$280
Hawaii
9%
n/a
n/a
9%
$202
n/a
n/a
Illinois
1%
9%
–3%
3%
$215
$231
$265
Indiana
–4%
–7%
–20%
–6%
$329
$301
$273
Iowa
–4%
–7%
13%
–2%
$246
$205
$295
Kansas
0%
–2%
0%
–1%
$224
$218
$230
Kentucky
3%
9%
–16%
0%
$212
$257
$250
Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York.
Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 2. Premiums and Premium Changes for the Benchmark Silver Plan in Three Select Rating Regions, by State, 2015 (continued)
Premium change for the benchmark silver plan, 2014–2015
Premium for the benchmark silver plan for 40-year-old nonsmoker
Urban area
Suburban area
Rural area
Statewide average
Urban area
Suburban area
Rural area
United States
0%
1%
0%
0%
$257
$268
$272
Louisiana
0%
6%
4%
3%
$296
$308
$323
–4%
1%
0%
–2%
$282
$341
$319
3%
4%
9%
5%
$235
$226
$243
–7%
–6%
3%
–4%
$257
$256
$255
3%
5%
–3%
3%
$230
$234
$257
Minnesota
19%
27%
–7%
17%
$183
$206
$283
Mississippi
–19%
–26%
–17%
–19%
$272
$304
$273
Missouri
5%
–2%
1%
2%
$276
$252
$310
Montana
–5%
–3%
–8%
–6%
$238
$241
$238
Nebraska
–3%
7%
16%
2%
$264
$261
$264
0%
0%
–9%
0%
$238
$309
$434
–15%
n/a
n/a
–15%
$247
n/a
n/a
New Jersey
–1%
n/a
n/a
–1%
$316
n/a
n/a
New Mexico
–11%
–12%
–10%
–11%
$173
$213
$239
North Carolina
7%
14%
11%
9%
$328
$316
$330
North Dakota
0%
7%
7%
5%
$272
$306
$306
Maine
Maryland
Massachusetts
Michigan
Nevada
New Hampshire
Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York.
Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 2. Premiums and Premium Changes for the Benchmark Silver Plan in Three Select Rating Regions, by State, 2015 (continued)
Premium change for the benchmark silver plan, 2014–2015
Premium for the benchmark silver plan for 40-year-old nonsmoker
Urban area
Suburban area
Rural area
Statewide average
Urban area
Suburban area
Rural area
United States
0%
1%
0%
0%
$257
$268
$272
Ohio
–1%
4%
12%
3%
$247
$268
$279
Oklahoma
9%
0%
–2%
2%
$219
$223
$215
–1%
–1%
–2%
–1%
$213
$237
$238
Pennsylvania
–11%
4%
–2%
–7%
$268
$237
$209
Rhode Island
–12%
n/a
n/a
–12%
$260
n/a
n/a
South Carolina
–4%
1%
1%
–2%
$276
$272
$287
South Dakota
–3%
–15%
–4%
–7%
$257
$271
$260
Tennessee
8%
2%
–7%
4%
$203
$190
$209
Texas
3%
9%
5%
4%
$280
$231
$241
Utah
3%
3%
2%
3%
$215
$229
$247
Vermont
6%
n/a
n/a
6%
$436
n/a
n/a
Virginia
4%
3%
3%
3%
$282
$294
$274
Washington
–10%
–7%
–7%
–8%
$254
$270
$263
West Virginia
8%
8%
8%
8%
$270
$289
$299
Wisconsin
6%
2%
6%
5%
$333
$300
$258
Wyoming
3%
7%
5%
5%
$407
$424
$445
Oregon
Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York.
Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 3. Average Deductibles and Changes in Deductibles, by Metal Tier and State, 2014–2015
Percentage change in deductibles, 2014–2015
2015 average deductibles
Percentage change all plans
Percentage change silver plans
Catastrophic
Bronze
Silver
Gold
Platinum
1%
2%
$6,574
$5,203
$2,965
$1,215
$552
13%
19%
$6,660
$5,734
$3,373
$1,037
$249
Alaska
0%
–4%
$6,600
$5,359
$2,291
$1,083
n/a
Arizona
4%
1%
$6,560
$5,712
$3,142
$1,368
$602
Arkansas
3%
18%
$6,600
$5,636
$2,458
$1,227
n/a
California
4%
0%
$6,575
$4,813
$2,000
n/a
n/a
Colorado
0%
6%
$6,475
$5,265
$2,587
$1,565
$625
–9%
–18%
$6,600
$4,750
$2,342
$1,269
n/a
0%
–5%
$6,600
$5,942
$3,143
$1,422
$300
–16%
–27%
$6,600
$5,175
$1,950
$1,100
n/a
Florida
8%
0%
$6,600
$5,680
$4,048
$1,152
$710
Georgia
7%
21%
$6,600
$5,380
$3,115
$1,241
$750
Hawaii
28%
2%
$6,600
$5,533
$1,867
$938
n/a
Illinois
–8%
–10%
$6,600
$5,282
$3,706
$1,258
$290
Indiana
9%
30%
$6,600
$5,283
$3,168
$844
n/a
Iowa
4%
–2%
$6,600
$5,578
$3,023
$1,527
$750
–7%
–15%
0%
1%
$6,600
$6,600
$6,119
$5,609
$2,966
$3,365
$1,100
$1,595
n/a
$775
United States
Alabama
Connecticut
Delaware
District of Columbia
Kansas
Kentucky
Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York.
Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 3. Average Deductibles and Changes in Deductibles, by Metal Tier and State, 2014–2015 (continued)
Percentage change in deductibles, 2014–2015
2015 average deductibles
Percentage change all plans
Percentage change silver plans
Catastrophic
Bronze
Silver
Gold
Platinum
United States
1%
2%
$6,574
$5,203
$2,965
$1,215
$552
Louisiana
8%
14%
$6,435
$4,848
$2,642
$1,071
$449
Maine
–4%
–6%
$6,600
$5,043
$2,354
$865
n/a
Maryland
15%
31%
$6,350
$5,338
$3,258
$1,083
n/a
Massachusetts
32%
–1%
$6,575
$1,964
$1,952
$1,067
$909
Michigan
–4%
–5%
$6,600
$5,149
$1,967
$879
$453
Minnesota
–6%
–14%
$6,550
$5,567
$2,269
$1,311
$1,000
Mississippi
18%
14%
$6,600
$5,417
$3,000
$1,209
$472
Missouri
Montana
–5%
5%
–7%
–4%
$6,600
$6,600
$5,436
$4,777
$3,161
$3,250
$1,262
$1,350
$1,000
$350
Nebraska
6%
14%
$6,600
$5,148
$2,808
$1,308
n/a
Nevada
–7%
11%
$6,600
$5,378
$2,962
$657
$264
New Hampshire
–3%
5%
$6,600
$5,040
$2,534
$1,025
n/a
New Jersey
–10%
–2%
$6,580
$2,429
$1,979
$1,186
$475
New Mexico
–1%
–2%
$6,473
$4,813
$3,317
$1,299
$100
North Carolina
0%
–1%
$6,600
$5,014
$3,547
$1,101
$387
North Dakota
12%
13%
$6,600
$5,173
$2,450
$1,332
n/a
Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York.
Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 3. Average Deductibles and Changes in Deductibles, by Metal Tier and State, 2014–2015 (continued)
Percentage change in deductibles, 2014–2015
2015 average deductibles
Percentage change all plans
Percentage change silver plans
Catastrophic
Bronze
Silver
Gold
Platinum
South Carolina
1%
1%
17%
4%
11%
–3%
1%
2%
7%
14%
1%
5%
–4%
22%
$6,574
$6,600
$6,600
$6,600
$6,500
$6,600
$6,600
$5,203
$5,387
$5,165
$5,126
$5,504
$5,283
$5,439
$2,965
$2,965
$3,982
$2,619
$2,871
$2,771
$2,938
$1,215
$1,116
$1,683
$1,323
$1,326
$1,017
$1,192
$552
$638
n/a
$750
$289
n/a
n/a
South Dakota
11%
8%
$6,600
$5,244
$2,955
$1,313
$250
8%
4%
$6,600
$4,823
$3,011
$2,313
$1,000
Texas
–2%
–6%
$6,508
$5,496
$3,466
$1,392
$342
Utah
–3%
1%
$6,600
$4,861
$2,362
$652
$1,000
Vermont
10%
3%
$6,200
$3,167
$1,775
$775
$150
Virginia
–4%
–12%
$6,600
$4,897
$2,466
$1,037
n/a
Washington
–6%
–1%
$6,600
$5,146
$2,185
$825
$250
West Virginia
–6%
–5%
$6,600
$4,000
$3,200
$1,050
n/a
Wisconsin
8%
10%
$6,600
$5,423
$2,883
$1,034
$407
Wyoming
5%
9%
$6,350
$4,800
$2,500
$1,092
$750
United States
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
Tennessee
Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York.
Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 4. Number of Carriers Offering Plans in Three Select Rating Regions, and Change versus 2014, by State, 2015
Urban area
Suburban area
Rural area
Number of carriers, 2015
Change 2014–2015
Number of carriers, 2015
Change 2014–2015
Number of carriers, 2015
Change 2014–2015
Arizona
7.17 (average)
3
2
11
+50
+1
0
+1
6.17 (average)
2
2
10
+36
+1
0
0
5.49 (average)
2
2
7
+36
+1
0
+1
Arkansas
3
+1
3
0
3
+1
California
8
0
8
0
8
0
Colorado
10
0
10
0
10
0
4
+1
4
+1
4
+1
Delaware
2 (statewide)
0
n/a
n/a
n/a
n/a
District of Columbia
4 (statewide)
0
n/a
n/a
n/a
n/a
Florida
9
0
5
+2
3
+2
Georgia
10
+5
8
+4
7
+2
Hawaii
2 (statewide)
0
n/a
n/a
n/a
n/a
Illinois
7
+1
4
+1
6
+1
Indiana
8
+5
7
+4
6
+4
Iowa
3
0
2
0
2
0
Kansas
4
+1
4
+1
4
+1
Kentucky
5
+2
5
+2
5
+2
United States
Alabama
Alaska
Connecticut
Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York.
Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 4. Number of Carriers Offering Plans in Three Select Rating Regions, and Change versus 2014, by State, 2015 (continued)
Urban area
Suburban area
Rural area
Number of carriers, 2015
Change 2014–2015
Number of carriers, 2015
Change 2014–2015
Number of carriers, 2015
Change 2014–2015
7.17 (average)
+50
6.17 (average)
+36
5.49 (average)
+36
Louisiana
6
+1
4
0
5
+1
Maine
3
+1
3
+1
3
+1
Maryland
8
+3
8
+3
8
+3
Massachusetts
10
–1
10
–1
10
–1
Michigan
12
+3
11
+2
8
+2
Minnesota
5
0
5
0
5
0
Mississippi
3
+1
3
+1
3
+1
Missouri
4
+2
3
+1
3
+1
Montana
4
+1
4
+1
4
+1
Nebraska
4
0
4
0
3
0
Nevada
5
+1
5
+1
5
+1
New Hampshire
5 (statewide)
+4
n/a
n/a
n/a
n/a
New Jersey
6 (statewide)
+3
n/a
n/a
n/a
n/a
New Mexico
5
+1
4
0
4
0
North Carolina
3
+1
3
+1
2
+1
North Dakota
3
0
3
0
3
0
United States
Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York.
Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 4. Number of Carriers Offering Plans in Three Select Rating Regions, and Change versus 2014, by State, 2015 (continued)
Urban area
Suburban area
Rural area
Number of carriers, 2015
Change 2014–2015
Number of carriers, 2015
Change 2014–2015
Number of carriers, 2015
Change 2014–2015
7.17 (average)
+50
6.17 (average)
+36
5.49 (average)
+36
12
4
+4
–2
10
4
+4
–1
6
3
+2
–3
Oregon
9
–1
9
–1
8
–2
Pennsylvania
4
+2
5
+1
8
+2
Rhode Island
3 (statewide)
+1
n/a
n/a
n/a
n/a
South Carolina
5
+1
5
+1
5
+1
South Dakota
3
0
3
0
3
0
Tennessee
5
+1
4
+1
3
+1
Texas
7
+2
6
+3
11
+2
Utah
6
0
5
0
4
0
Vermont
2 (statewide)
0
n/a
n/a
n/a
n/a
Virginia
6
0
3
–1
6
+1
Washington
9
+1
9
+1
9
+1
West Virginia
1
0
1
0
1
0
Wisconsin
6
+2
7
+2
10
+2
Wyoming
2
0
2
0
2
0
United States
Ohio
Oklahoma
Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York.
Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.