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Health Insurance Premiums - How much does health insurance cost?


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Average Deductible & Co-Pay in Health Insurance: MEPS, 2012 (pdf)

Statistical Brief #427 reports that 80% of private sector employees had health insurance plans with an annual deductible averaging $1167 per year (2012 data, single) or $2322 (family) across industries. For small firms the average deductible was $1500 single and $3300 family. Average co-pay for an office visit was $24. Data from the 2012 Medical Expenditure Panel Survey, pub. Jan. 2014

Average Health Insurance Cost by State (AHIP)

Find out what the average annual health insurance premium cost used to be for your state. Report by America's Health Insurance Plans (AHIP), a trade association, pub. Nov. 2007, using what appears to be 2006 data on premiums

Average Health Insurance Cost, Group Market: MEPS (pdf)

The Medical Expenditure Panel Survey identifies the nationwide average premium cost for private sector job-related health insurance at $5832 for singles and $16,655 for family coverage in 2014. While government employees had plans with higher premiums, the employee contributions were much smaller than amounts paid by private sector employees. Statistical Brief #486 by AHRQ, March 2016

Average Health Insurance Cost, Individual Market: MEPS 2005 (pdf)

Average health insurance premium for someone who bought a policy on the open market (non-group individuals) in the first half of 2005 was $3664, compared to out-of-pocket premium of $1655 for an employer-sponsored policy. Medical Expenditure Panel Survey (MEPS) found nationwide average 2005 premium cost for single coverage in the non-group market was $2835 ($5568 for family). A single policy for someone in the 55 to 64 age bracket was $4288 per year. Statistical Brief #202 released by AHRQ April 2008. No updates available

Average Health Insurance Cost, MEPS 2008, by State (pdf)

The Commonwealth Fund shows average Single and Family health insurance premiums for US (employer coverage, $4386 single, $12,298 family) using MEPS data for 2008. Family rates were lowest in Idaho ($10,837; highest in Massachusetts ($13,788). Health insurance premiums as a percent of median household income ranged from 13.3% in Maryland to 23.1% in West Virginia, averaging 17.2% for the US. See data brief, Tables 1 and 2, August 2009

Average Health Insurance Premiums & Employee Contribution, largest US cities, 2010

Find the average cost for health insurance (2010 data) for Boston, New York City, Los Angeles, Chicago, Dallas-Fort Worth, Philadelphia, Miami-Fort Lauderdale, Houston, Washington DC, and Atlanta metro areas. Nationally, the MEPS/AHRQ report shows premium costs were $4940 for single coverage (employees paying $1021), and $13,871 for families (employee paying $3721). Statistical Brief #330, dated July 2011

Average Total Premiums and Employee Contribution, Selected Cities, 2008  Editor's Pick

The 2008 average health insurance premiums and amount of employee contribution for single, single-plus-one, and family coverage by selected cities and metropolitan regions, or remainder of state shown in this MEPS table of costs for private-sector businesses. Average single premiums in many parts of the country now exceed $5000 including Alaska, New Haven CT, parts of Massachusetts, NH, Charleston WV, and Milwaukee. Lowest rates of $3405 in selected areas of Hawaii, $3639 in Kansas City, MO, and $3708 in Provo Orem Utah which also had the lowest for average single-plus-one premiums ($6454). Family premiums were best in New Orleans-Metairie-Kenner LA ($10,025) and Provo UT; highest in out-state Minnesota ($15,010)and New Haven-Milford CT ($14,840). Portions of CA, NH, WV and Milwaukee metro exceeded $14,000. Coverage levels and plan design will vary.

Cost-Shifting adds $1788 to health insurance cost for family of four (Study)

Study by Milliman released December 2008 shows that cost-shifting from Medicare and Medicaid underpayments accounted for about 15% of the amount paid for hospital and physician costs for privately insured people. Premiums paid through employer-provided insurance were estimated to be 10.6% higher due to the cost-shifting. Study uses 2006 and 2007 data; commissioned by the AHA, AHIP and Blue Cross Blue Shield Assn/Premera Blue Cross

Health Insurance Cost Estimate, 2010 Survey (Mercer)

Mercer's annual National Survey of Employer-Sponsored Health Plans, found that the total health benefit cost increased 6.9% in 2010, to an average of $9562 per employee. (Average of $8825 for small employers, to $10,073 for large employers.) Consumer-directed health plans such as HSAs cost employers less (average $6759), with 51% of jumbo employers (20,000 employees) and 23% of large employers (500 or more employees) offering these plans in 2010. Median individual deductible for PPOs has now risen to $1200. Highlights of the survey released November 2010

Health Insurance Premiums - 2015 Employer Health Benefits Survey - KFF/HRET

Annual survey reports that premiums for employer-sponsored health insurance coverage rose 4% in 2015. Average single coverage cost $6251 per year ($1071 paid by workers), and family coverage (family of 4) averaged $17,545 per year ($4955 paid by workers). High deductible health plans (with savings option) have about 24% market share of covered workers (63% among firms with 3-199 workers). The average deductible for HSA-qualified HDHP was 12 to 15% lower. Survey of 1997 companies with 3 or more employees completed Jan. to June, 2015. Findings released Sept. 2015 by the Kaiser Family Foundation and the Health Research and Educational Trust (HRET). Very detailed report

Individual Health Insurance Premium Costs 2009 (AHIP)

Detailed 33-page report on survey of 2.6 million health insurance policies purchased individually (instead of purchased through an employer) in May-June 2009. Shows average single premium cost for ages 50-54 was $4127 per year. For each 5-year age bracket, prices went up about 17 to 21%. Average annual premiums shown for 29 states are not age-adjusted. Iowa showed the lowest premiums, and New York the highest, however, benefits and ages may differ among the states. Individual insurance denial rates ranged from 20% to 29% for age brackets 50 to 64. Published by AHIP (trade association) Center for Policy and Research, Oct. 2009

Individual Monthly Health Insurance Premium Cost - 2010 (KFF)

Kaiser Family Foundation reports average health insurance premium from 2010 for a single person's policy. Benefit coverage varies by state and policy. Range is from $136 per month in Alabama to over $400 in Massachusetts and Vermont. Average in US is $215 per mo. TX, OK, OH, NM, NV, KS and Alaska are not reported

Small Group Health Insurance Premium Costs 2010 (AHIP)

Detailed 18-page report on survey of about 3.7 million workers in 477,000 small companies (50 or fewer employees) based on health insurance policies in force in January 2010. Shows average single premium cost was $5107 per year (family estimated at $13,409), up more than 22% in 2 years. Monthly premiums shown for 37 selected states in Table 5. Average PPO deductible for Single coverage was $1569 (up 48% in 2 yrs) and was similar for HMO/POS plans; for HSAs the average deductible was $2814. Average annual Out-of-Pocket maximum rose 30% since 2008, to $3415 for PPO plans (with 54% of plans averaging over $3000), $3887 for HSA/HDHP, and $2756 for HMO/POS. Published by AHIP (trade association) Center for Policy and Research, July 2011

Other Helpful Listings

Fact Sheet: Underpayment by Medicare & Medicaid (2014)

Analysis by the American Hospital Association shows that Medicare and Medicaid under-pay the true cost of hospital care by about $51 billion. This cost ends up being borne by other payors and commercial insurance. Using 2014 data, it is estimated Medicare pays 89 cents on the dollar, and Medicaid pays 90. January 2016 report

Farm Families and Ranches: Health Insurance Survey (pdf)

Series of reports on the 2007 Health Insurance Survey of Farm and Ranch Operators, finds most farmers are insured, with 54% of insured farmers getting health insurance through off-farm employment, and 36% purchasing it on their own directly (vs. 8% nationally). Farm families purchasing their own (non-group) insurance typically spent $11,200 per year out-of-pocket for care and premiums, vs. $5600 median expenditure for those with off-farm employment. Feb-March 2007 telephone survey (80% response rate, with 2017 respondents) of non-corporate farmers and ranch operators in Iowa, MN, ND, SD, MT, MO and NE, by The Access Project (a nonprofit social justice program), with Brandeis University and the Center for Rural Health at UND. Link is to the 3rd issue report; see full series of reports 2007-2009

HSAs and HDHPs now enroll 13.5 million people - Jan. 2012 (AHIP)

An 18% growth in the number of people enrolled in Health Savings Accounts / High Deductible Health Plans brings the number to 13.5 million Americans, according to America's Health Insurance Plans, an association representing health insurance companies. Twenty states now have at least 200,000 people enrolled in these types of plans in their states. Overall, 7.8% of total private health insurance enrollment (under 65) is estimated to be in HSA/HDHP. Vermont leads at 19.9%; California is at 5.6%, but over 1 million enrollees. Average premiums shown. Report no longer shows average out of pocket exposure, which was $3681 per year for singles and $7001 for families on the best-selling individual HSA policy in 2009, not including monthly premiums. Presumably the deductibles and out-of-pocket expenses were so large, they couldn't be shown to the public. Report released May 2012

Kaiser Snapshot: Employer Health Insurance Cost Trends (2010)

Trends on Employer costs for health insurance 1999 to 2010 show average cost was $3.35 per hour, with a median cost of 12.8% of payroll in 2010. Companies with 1001 to 5000 employees paid 16.6% of payroll for employee health insurance, vs. 12.3% for companies with fewer than 25 employees, who offered health insurance benefits (2010). Report released February 2011 by the Kaiser Family Foundation (KFF)

WI Group Health Insurance Index - Average Premiums Milwaukee, WI Rapids, Jan. 1, 2009

The Wisconsin Office of the Commissioner of Insurance (OCI) surveys the top writers of group health insurance every six months about premiums charged for group health insurance policies. Average rate for a sample 80/20 plan with a $500 deductible was $466/month (single coverage) in Milwaukee (small employer with 25 employees) and $427/month (single) in Wisconsin Rapids. Similar Family coverage was $1237 in Milwaukee and $1159 in Wisc. Rapids

Wisconsin Health Insurance Cost Rankings 2011-2012

Monthly premiums (2011 rates) for WI state employee health insurance were an average $688 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 8 metro regions, including Twin Cities. Rates in LaCrosse ($757 per month, single) were 32% higher than Madison rates ($574 per mo.) Most areas exceeded $700 single. Health plan costs shown for Twin Cities, Oshkosh, Green Bay, Appleton, Manitowoc, Sheboygan, Fond du Lac, Janesville/ Beloit, Wausau, Stevens Point, Marshfield, Superior, EauClaire, Kenosha, Racine, Milwaukee, more. 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. 20, 2011

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