Categories
- Best Health Insurance Plan Lists: USnews; Consumer Reports; JD Power (7)
- Hospital Ratings of Health Insurance Plans (0)
- Physician & Group Practice Ratings of Health Insurance Plans (3)
- Learn More About Health Insurance Plan Measures (1)
Primary Listings
Help Guide - Before You Select a Health Plan - Three Steps (READ ME) (no link)
1. Compare the health insurance plans you are interested in by visiting the NCQA website to see if they are accredited, and how their quality scores compare. 2. Visit at least one of the state-specific reports to find out what the rate of complaints is for the health plan you're interested in, what hospitals it uses, and information about quality measures. Note: Every state or regional report may be different. If your state is not listed here, see what other states make available. Even if it's not online, the data probably are collected by your state. 3. See what AMA physicians say about working with certain health plans (link above)
NCQA Health Insurance Plan Ratings and Report Card 2009
Compare quality ratings for HMOs and PPO health insurance plans. Aetna, Blue Cross, Cigna, United - they're all here. Star ratings and distinction ratings shown for accredited commercial, Medicare and Medicaid plans. NCQA (National Committee for Quality Assurance) is a private nonprofit organization that sets standards for quality of care and service that health plans provide to their members. NCQA Accreditation is a nationally recognized seal of approval. Updated 2009
Link to Your State Insurance Department Site (all states)
If you like to browse, your state's site may have additional information about health insurance. These links are provided by the National Association of Insurance Commissioners (NAIC), the organization of insurance regulators from the 50 states, the District of Columbia and the five U.S. territories. The NAIC site also has a company search feature (under Consumer Information, from the Home page) that allows you to obtain financial information, and complaint information on HMOs and other health insurance providers.
Arizona Health Insurance and Hospital Industry Profile 2008
Allan Baumgarten's AZ Health Care Market Report for the St. Luke's Health Initiatives (foundation) shows health insurance plan enrollment levels, profits, administrative expenses for 25 health plans in 2007, including Blue Cross Blue Shield, HealthNet, and Humana. Utilization and quality ratings (2006 data) shown for Aetna, CIGNA, Health Net, Humana, PacifiCare/ UnitedHealthcare; member satisfaction for 2005-2006. Hospital volumes, profits, occupancy, and average charge per admission (2006 data) shown for all hospitals in Phoenix, Tucson, Flagstaff, Yuma, Kingman, Bullhead City and other communities. Extensive report for industry professionals; 58 pages. Pub. Dec. 2008
California - 2008 HMO and Medical Group Ratings Report Card
Compare California HMO health insurance plans: Aetna Health, Anthem Blue Cross HMO, Blue Shield, CIGNA, Health Net, Kaiser Permanente Northern and Southern regions), PacifiCare and Western Health Advantage. Clear, simple star system used for overall rating. In addition, get more details about member satisfaction, complaint rates, asthma, cancer screening, child/adolescent health, diabetes, heart care, maternity care, mental health, back pain, immunization, and smoking cessation. Medical group ratings also provided by county for the larger groups of doctors. Prepared by the California state Office of the Patient Advocate (OPA), using 2007 data
California - CalPERS 2009 Health Insurance Plan Member Ratings (pdf)
See how CalPERS' members rank health plans on member satisfaction and care quality. Report covers Medicare Plans and basic health insurance plans: CAHP, PERSCare, Kaiser Permanente, PORAC, Blue Shield, PERS Choice, and CCPOA. Members rated CAHP the highest overall, but the highest medical composite ratings (clinical performance scores), and mental health composite ratings went to Kaiser Permanente. Detailed ratings are provided only for member satisfaction questions; no details or data in the report for specific quality measures. CalPERS is the California Public Employees' Retirement System. Date August 2008; 21 pages
California Health Insurance & Clinic Ratings, 2008 CCHRI Report (pdf)
Compare HMO health insurance plan ratings: Aetna, Anthem Blue Cross, Blue Shield, Cigna, Health Net, Kaiser Permanente North, Kaiser Permanente S. Cal. and PacifiCare. Clinical performance (HEDIS measures) for prenatal maternity care, child illnesses & immunizations, ADHD, asthma, diabetes, depression and mental illness, heart attack, high blood pressure, cholesterol management, cancer screening, flu shot, back pain, osteoporosis and more. Consumer member satisfaction ratings listed in CAHPS section include Western Health Advantage scores. Physician group ratings for medical groups in Northern Cal. & southern CA listed in Patient Assessment survey section, include Hill Physicians, Kaiser Permanente, Sutter, Cedars-Sinai, High Desert, Prospect, Scripps, Sharp, Southern Cal. Permanente and more. Prepared by CCHRI (California Cooperative Healthcare Reporting Initiative), a group of employers, health plans, and health care providers across CA; 2008 CCHRI Report on Quality is 104 pages
Colorado Health Insurance Plan Clinical Performance
Is your health insurance plan getting better over time? This report shows rates by CO health plans over multiple years (2003 to 2007) for Heart, Diabetes, some Cancer screening, recommended Preventive care for women and children's health, Mental Health indicators including depression. Report also compares rates between men and women for cardiac catheterization, angioplasty and coronary artery bypass graft (CABG). Plans: Aetna, CIGNA, Denver Health, HMO-Colorado, Kaiser Permanente, PacifiCare, Rocky Mountain, and United Healthcare. Updated for 2008
Colorado Health Plans - 2008 Member Satisfaction Ratings
Compare consumer ratings of selected health insurance plans: Kaiser Permanente, PacifiCare of Colorado, Aetna, CIGNA, HMO Colorado, Rocky Mountain, and UnitedHealthcare of CO. Star ratings for HMOs and PPOs published by the Colo. Business Group on Health (CBGH)
Florida Health Insurance Plans - Quality Ratings & Satisfaction
Member Satisfaction and quality ratings for cancer screening, diabetes, heart care, maternity / prenatal, high blood pressure, heart care, asthma, immunization for HMOs, PPOs, Medicare HMOs and more. Aetna, America's Health Choice, Amerigroup, Av-Med, Blue Cross Blue Shield (Health Options), Capital, CarePlus, Cigna, Citrus, DoctorCare, Florida Health Care, Freedom Health, Great-West, Health First, Healthy Palm Beaches, HealthEase & Well Care, Humana, Leon Medical Centers, Medica, Neighborhood, Optimum, PartnerCare, Preferred, Public Health Trust of Dade Co. (JMH), Quality Health, Total Health Choice, United Healthcare, Universal, Vista. Uses 2005 to 2007 data. Search by county. No need to download a pdf to see the scores or the checkmark rankings
Georgia Health Insurance Plan Ratings and Comparisons (NEW)
Compare quality ratings and member satisfaction scores for Aetna, Blue Cross Blue Shield of GA, Cigna, Coventry, Humana, Kaiser and United Healthcare. Covers breast cancer screening, cholesterol management, prenatal and postpartum care, childhood immunization, but dates are not shown. Member opinions provided on Medicaid plans Amerigroup, Peach State and WellCare for 2007 and 2008. Released Jan. 2009 by Georgia Dept. of Community Health at georgiahealthinfo.gov
Illinois HMO Complaints 2008 by Consumers & Physicians (pdf)
Complaint record from 2008, supplied by the Illinois Dept. of Insurance. Note: you will find the Blue Cross Blue Shield complaints under Health Care Service Corporation. Other HMOs include Aetna, Cigna (IL and St. Louis), Group Health, Health Alliance, HMO Missouri, Humana, Medical Associates, Mercy, NevadaCare, Personal Care Insurance, Unicare, Union, United Healthcare (IL, Midwest and Rivervalley). Both consumer and provider complaints about the HMO are counted, and classified by type (such as claims or denial of care/ treatment. Two pages, July 2009
Iowa HMO and Health Insurance Complaint Rates (2005)
Find consumer complaint ratios for IA HMOs and Health Insurance companies: Conseco, Bankers Life, United HealthCare, Principal, Time Insurance, Avera, Coventry, Health Alliance Midwest, NevadaCare (Iowa Health Solutions), Sioux Valley, and Wellmark. Select category: Individual, Group Health or HMOs. Iowa Insurance Division provides 2005 reports, the most recent available as of Nov. 2009
Louisiana Health Insurance Plan Ratings 2010
Compare health plan quality and customer satisfaction for insurance plans Aetna, Connecticut General, Coventry, Group Health, HMO Louisiana Blue Cross Blue Shield, Humana, BC BS of LA, United Healthcare PPO, HMO POS. Quality scores for diabetes, maternity, postpartum, well child, cancer screening, blood pressure, asthma, chlamydia, medical care use HEDIS 2009 scores (2008 data). Try not to be surprised at how low some of the scores are. Not all plans report. New website by state government still has some bugs in it Feb 2010
Maryland HMO & Health Insurance Plan Ratings 2008-2009
Compare Aetna (Maryland, DC & Virginia), CareFirst BlueChoice, BluePreferred PPO, CIGNA, Connecticut General, Coventry, Kaiser Permanente, MD-IPA, MAMSI Life, and OCI Optimum Choice on member satisfaction (CAHPS) and HEDIS measures such as immunizations, children's health, cancer screening, heart and diabetes care, mental health behavioral care, spirometry for COPD, and more. Comprehensive report by Maryland Health Care Commission includes scores for prenatal care and high blood pressure control; enrollment market share. 2008/2009 Performance Report, released September 2008
Maryland: HealthChoice (Medicaid) Health Plan Ratings
Report Card for Consumers, 2009 in English and Spanish, compares Amerigroup, Diamond Plan, JAI Medical Systems, Maryland Physicians Care, Medstar Family Choice, Priority Partners and United Healthcare. Three MD HealthChoice health plans get 3 stars (the best) for diabetes care. Ratings also on doctor communication, appointments, cancer screening, pregnancy & maternity care, check-ups for kids and more. Click on MCO Report 2009
Medicare Prescription Drug Plans - Premiums and Quality Ratings
Compare the prices (monthly premium average cost) for prescription drug coverage through Medicare (medicare.gov) and see which plans have higher ratings. Uses a 5-star quality rating system that includes member satisfaction survey reports
Minnesota HMO and Health Insurance Plan Ratings
Quality (HEDIS scores) for HMOs show rates of immunization, cancer screening, heart attack treatment, diabetes care, high blood pressure or high cholesterol management, asthma, mental health care, osteoporosis, glaucoma screening, prenatal care, drug treatment and more. Quality data 2007, financial data (including Form 990, Executive Compensation - see who makes $1 million salary) 2007-2008. Compare health insurance plan performance for Blue Plus, First Plan, HealthPartners / Group Health, IMCare, Itasca, Medica, MHP, PreferredOne, PrimeWest, Sanford, South Country Health Alliance, and UCare, plus complaint statistics from 2004. Site by MN Dept. of Health
Minnesota Purchasers Health Insurance Plan Evaluation, 2008 (pdf)
The Buyers Health Care Action Group (BHCAG) compares ratings for health insurance plans (HMO and PPOs) - Blue Cross Blue Shield of MN (BCBSMN), HealthPartners, Medica, PreferredOne, and Patient Choice. Report written for purchasers, rather than general consumers; uses results from the eValue8 (TM) survey (no date shown). Scroll to bottom to find 2008 MN eValue8 Report
New Jersey 2008 HMO Performance Report - Compare plans
Compare six health insurance plans (HMO and POS): Aetna, AmeriHealth, CIGNA, Health Net, Horizon, and Oxford, on member-rated satisfaction with their medical care and customer service, and clinical measures related to asthma, cancer screening, heart care, hypertension, cholesterol, diabetes, mammograms, new moms, immunizations, mental health and more. Easy to read; fast response. Pub. by NJ Dept. of Banking and Insurance, Oct. 2008
New Mexico HMO and Health Insurance Plan Ratings (2008)
Compare 4 health insurance plans on how members rated their care and service, and how health plans scored on care such as cancer screenings, immunizations, diabetes, high blood pressure and mental illness care. Blue Cross Blue Shield New Mexico (BCBSNM HMO), Lovelace, Presbyterian (the largest and highest overall ratings), and United Healthcare. Click on Consumer Guide to Managed Care 2008 prepared by the state of NM Health Policy Commission. Three plans have Commendable accreditation status; United Healthcare is NOT accredited by NCQA
New York and New Jersey 2008 HMO and Hospital Report Card (nyshaf.org)
Compare cost and quality ratings for HMOs such as Aetna, AmeriHealth, Blue Choice, CDPHP, CIGNA, Community, Empire, GHI, Health Net, HIP, Independent, MVP, Oxford, Preferred Care, United & Univera side-by-side in NY and NJ, for diabetes, asthma, postpartum care, some cancer care, mental health, antibiotic use for children, low back pain care, Board-certified physicians, monthly health insurance premiums, overall patient satisfaction experience & more. Hospital quality comparisons on heart attack, heart failure, pneumonia and surgical infections also provided for NY hospitals. Inpatient volumes, average length of stay and average price (charges) provided for appendectomy, asthma, maternity (incl. newborn & c-section delivery), chest pain, depressive neuroses, diabetes, gall bladder surgery, heart failure, hip replacement, hysterectomy, stroke, cardiac procedures, pneumonia, and COPD. Some survival ratings. Impressive list of measures, too numerous to mention. Health Care Report Card prepared by the NYS Health Accountability Foundation - a partnership of the NY Business Group on Health and IPRO (the QIO). Dates of data vary; HMO premiums are supposed to be current to the month
New York State HMO Comparisons (Ratings & Cost Premiums)
Compare about 20 HMO health insurance plans in NY: Aetna, Atlantis, Blue Choice, BSNENY, CDPHP, CIGNA, Community Blue (HealthNow), Empire HealthChoice, Excellus, GHI HMO Select, Health Net, HIP, IHA Independent Health, MVP, Oxford, Preferred Care Rochester Area HMO, UnitedHealthcare, Univera, Upstate. Topics include member satisfaction opinions, attention deficit medication, BMI screening for kids, breast cancer screening, bronchitis care, cholesterol control, Board certified doctors, complaint volume & more. Monthly 2009 premium rates for individual plans (consumers will be hard-pressed to find a plan under $800/month single). Prepared by the state of New York using 2006 member data (nysHMOguide.org)
Rhode Island - Health Insurance Plan Ratings, 2007 (pdf)
Compare three health insurance plans in Rhode Island (Blue Cross BC-RI, United Healthcare NE and Blue Cross -MA). Clinical quality scores such as cancer screening, diabetes care, heart attack care, and mental health care, plus information about access to prenatal care, well child, immunizations and asthma care; member satisfaction levels with their health plans, market share enrollment levels; profits; 2004-2007 data. Published by RI Health Insurance Commissioner (Dept. of Health) March 2009
Tennessee HMO Grievances and Membership Levels
Find HMO Grievance Statistics for Aetna US Healthcare, Bluegrass Family, Cariten Health Plan, Cigna of TN, Healthspring, and United Healthcare (including River Valley). History of complaints and member enrollment levels for more than 10 years (if health insurance plan has been in business that long), through 2007. Separate PDF reports for each company. Site by TN Department of Commerce & Insurance
Tennessee Insurance Companies on Buyer Beware List
Buyer Beware list from the Consumer Affairs Division at the TN Department of Commerce & Insurance, shows Medco, health insurance companies and others, but no details. Updated Sept. 2009
Texas - Comparacion de los HMOs en Texas 2008
Compare Texas HMOs in Spanish language
Texas - Compare Health Insurance Company Complaints 2008
List of hundreds of Health Insurance companies licensed in Texas, and the number of justified complaints from consumers in 2008. Large health insurance plans (over 10,000 policies) with a large Complaint Index include Aetna (Complaint Index of 9.78), Bankers Life (8.7), BCS (4.39), Blue Cross and Blue Shield (3.43), Central United (18.75), CIGNA (8.47), Conseco (4.17), Golden Rule (3.21), Humana (4.84 to 6.18), MEGA Life & Health (6.74), Pacificare (1.74 to 32.99), Senior Health of PA (24.17), SHA (7.71), Superio (7.41), Texas Health Insurance Risk Pool (4.75), Time (6.86), Unicare (7.76), and United Healthcare (4.29). The 2008 Accident and Health Complaint Index from the TX Department of Insurance was updated April 2009
Texas - Compare HMO Complaints, 2007 (TDI)
Quickly compare HMO complaint rates in Texas, from TX Department of Insurance (TDI). Two-page summary, 2007 data
Texas - Compare Texas HMOs 2008 – Consumer Ratings (OPIC pdf)
Texas consumer ratings of their health insurance plans & care. Compare HMO plans for Central Texas, East Texas, Gulf Coast, North TX, Panhandle/Plains area, South Texas, West Texas regions. Satisfaction ratings, complaints and market share shown for Aetna, Superior, Texas Children's, HMO Blue Texas, Scott and White, PacifiCare, FIRSTCARE, Community First, Humana, CIGNA, Selectcare, UNICARE, Molina, United Healthcare, Mercy, Great-West & others. Shows complaint rates (2006-2008). Both provider and patient complaints are recorded, with providers complaining much more frequently than patients. Report by Texas OPIC (Office of Public Insurance Counsel)
Texas - Guide to Texas HMO Quality 2008 (OPIC)
Lengthy (212 pages) but valuable report showing detailed clinical quality comparisons between HMO health insurance plans for indicators such as asthma, childhood immunizations, cancer screening, heart care, high blood pressure, high cholesterol, diabetes care, prenatal care, mental health care, flu shots, ER visit rates, rates of physician board certification, and more. Pub. by TX Office of Public Insurance Council Oct. 2008
Utah HMO Health Insurance Plan 2008 Ratings
Compares Utah HMOs covering about 40% of Utah residents - health insurance plans Altius, HealthWise, SelectHealth, United Healthcare, and Medicaid plans (Healthy U, Molina, IHC Preferred, Select Access PEHP CHIP) on back pain, cancer screening, and high blood pressure (categorized under Health Care for Adults); diabetes, antidepressant medication, prenatal & maternity, preventive care, well-child visits & immunizations, overall member satisfaction rates, and more. Shows actual performance rates, and a star-rating. Members rated slightly higher satisfaction with Altius than with other plans, but the HEDIS quality scores are not necessarily higher. Which is more important to you: Satisfaction or Quality? Click on Download Print Version for complete pdf (on left), or see individual topics under Quality of Care and Consumer Satisfaction. Key Findings do not show HMO names. 2008 Performance Report published by utah.gov Nov. 2008
Utah Member Satisfaction Ratings with Health Insurance Plans (CAHPS)
2009 Consumer Satisfaction Report (CAHPS) from Utah shows member opinions about HMOs and PPOs. Compare satisfaction with SelectHealth, Regence BlueCross BlueShield of UT, United Healthcare, Altius, PEHP, Aetna, Cigna, Deseret, HealthWise, Intermountain, Molina Medicaid and CHIP, Healthy U. Survey appears to have been done in spring 2008
Vermont - Compare Health Insurance Plan Ratings 2009 (pdf)
Compare Blue Cross Blue Shield of VT, CIGNA, MVP, and The Vermont Health Plan, on consumer and patient experiences; how well the plans do cancer screening, flu shot and other immunizations, antibiotic use in kids, prenatal care, asthma & bronchitis care, mental health treatment, back pain evaluation, blood pressure mgmt, alcohol dependence, arthritis and COPD care. State BISHCA report by Dept. of Banking, Insurance uses 2009 CAHPS and 2008 HEDIS data; 11 pages
Virginia - Compare HMOs (Quality and Satisfaction)
Easy to use tool to compare insurance plan ratings: Aetna, CapitalCare, CareFirst BlueChoice, CIGNA, HealthKeepers, Kaiser Mid-Atlantic, MD IPA, Optima, Optimum Choice, Peninsula, Piedmont, Priority, Southern, UnitedHealthcare including River Valley. Choose measures for access, asthma, ADHD, heart, diabetes, arthritis, immunizations, medications, mental health, preventive care, low back pain, spirometry for COPD, prenatal, maternity and newborn care; well child visits and childhood illnesses, member satisfaction for 2007. Also includes Board certification rates for some types of physicians, number of enrollees, and financial data
Washington - Health Insurance Plan Complaint Index 2008
Compare complaint levels for WA health insurance plans (2008 Health Carrier Complaints) for Molina, Kaiser Northwest, Group Health (Options and Cooperative), Community, Pacificare, Providence, Health Net of Oregon, Regence BlueCross BlueShield, Asuris, Premera, KPS, Lifewise, Aetna and 3 dental plans. State Office of Insurance Commissioner OIC
Wisconsin - Health Insurance Plan Profiles by HMO Name
Find HMO quality ratings for cancer screening, diabetes, mental health care, pediatric visits; member satisfaction, complaints and grievance rates; administrative expenses, financial profits, number of enrollees, and more. Prepared by the state Office of Commissioner of Insurance using 2006-2008 data. Plans include Abri, Care WI, Children's, Community Care, Compcare, Dean, Group Health Cooperative, Gundersen Lutheran, Health Tradition/ Greater LaCrosse, Humana, Independent Care, Managed Health Services, Medica, Medical Associates Clinic, MercyCare HMO, Network Health, Partnership, Physicians Plus, Security, UnitedHealthcare, Unity, and WPS. Updated July 2009
Wisconsin - HMO Health Plan Quality and Consumer Satisfaction Graphs
Scroll to the bottom to find the links for graphs comparing rates for breast cancer screening, cervical cancer screening, diabetes care / eye exams, follow-up for mental illness, time spent with physician, children's visits to primary care providers, and overall rating of health insurance plans: Dean, Group Health Coop, Gundersen Lutheran, Humana, MercyCare HMO, Network, Physicians Plus, UnitedHealthcare, Unity, WPS and more. 2007 data, updated Nov. 2008 by State of WI, OCI
Wisconsin Collaborative (WCHQ) - Health Insurance Plan Ratings
Compare Dean, Gundersen Lutheran, Mercy, Physicians Plus, Security and Unity Health Plan, on 17 quality and satisfaction ratings (CAHPS & HEDIS measures). Includes Diabetes, Heart Care, High Blood Pressure, Cholesterol, and Patient Satisfaction with their doctor and health insurance plan. Shows 2007 data, one measure at a time. Report by WI Collaborative for Healthcare Quality
Other Helpful Listings
Accredited Ambulatory Health Care and Surgery Centers (AAAHC)
The nonprofit Accreditation Association for Ambulatory Health Care (AAAHC) currently accredits over 4000 organizations in a wide variety of ambulatory health care settings, including ambulatory and office based outpatient surgery centers, IVF clinics and specialty clinics. Consumers can specify Student health center, Endoscopy center, Indian health center, military health care facility or ambulatory surgery center under Organization Type
Government Employee 2009 Health Insurance Cost and Ratings (FEHB)
A very interesting web site from US Office of Personnel Management (OPM) helps federal employees and others compare the benefits, member satisfaction, and employee costs of up to 4 health insurance plans at one time. Employees are eligible for some of the lowest health insurance rates we've ever seen. Search by zip code; choose local plans and/or national plans. Very convenient and current. Editor's Pick even though it does not show the amount that taxpayers and government institutions pay toward the total health care premiums
Nevada HMO Industry Profile - Enrollment Volume only
Quarterly updates about Nevada HMOs and PPOs, showing numbers of enrollees (members) by county. No quality evaluations shown, but you can see market share and who is growing or shrinking. Plans included: Aetna, Health Plan of Nevada (Sierra), HMO Nevada / Anthem Blue Cross & Blue Shield, Hometown Health, NevadaCare / Summerlin, PacifiCare, and Saint Mary's HealthFirst. Medicare and Medicaid health insurance plans in NV also shown; last produced 3rd Qtr 2007
URAC - searchable database
URAC is a nonprofit organization that performs accreditation and certification work. Its many accreditation programs include, among others, Case Management, Comprehensive Wellness, Health Call Centers, Health (clinical information) Web Sites, Health Utilization Management and Review, and Workers Compensation Management. This site may help employers determine which companies they want to consider as service providers. In addition, a few health insurance plans (over 30, including Medicare Advantage, as of Sept. 2009) have also sought health plan accreditation from URAC
Wisconsin Health Insurance Cost Rankings 2010
Monthly premiums (2010 rates) for WI state employee health insurance rose 9% to average $680 per month for single coverage. Citizen Action of Wisconsin, a coalition of individuals and organizations (such as AARP-WI, AFSCME locals, SEIU, UAW, AFL-CIO, WEAC), reports health insurance cost in 10 metro regions, including Twin Cities and Dubuque Iowa. Rates in Wausau, Stevens Point, WI Rapids and Kenosha ($708 per month, single) were 23% higher than Madison rates ($574 per mo.) LaCrosse, Eau Claire, Milwaukee, Racine, Superior and the Twin Cities came in near $700 single. Health plan costs also shown for Oshkosh, Green Bay, Appleton, Manitowoc, Sheboygan, Fond du Lac, Janesville/ Beloit. Ratings for 16 plans also shown. Uniform benefits package was used for all areas, however the report does not specify what type of benefits and deductibles were included. The report also does not indicate whether the rates were adjusted for regional differences in age, or healthy behaviors. Information from State of Wisconsin's Group Health Insurance Program (GHIP) released Dec. 22, 2009