Health Insurance: Premiums and Increases
Updated January 2013
The increased cost of health insurance is a central fact in any discussion of health policy and health delivery. As annual premiums surge beyond $15,000 for an average family, costs are blamed for rising uninsured and "under-insurance." For those Americans who are fully-covered, these cost realities affect employers, both large and small, not to mention the "pocket-book impact" on ordinary families.
For 2012, the latest report, annual premiums for employer-sponsored family health coverage reached $15,745, up 4 percent from 2010, with workers on average paying $4,316 toward the cost of their coverage. A single or Individual employee's coverage cost $5,615, with the worker on average paying $951 out-of-pocket.
For comparison, In 2009, the average fully insured individual faced an employee share of $725 for 1-person coverage and a $3,354 annual share for family coverage. The total premiums to cover a family were up to $13,375 according to the 2010 annual Kaiser/HRET survey of Employer-Sponsored Health Benefits.
 Background and History
While the overall rate of uninsured Americans has increased in recent years, the percentage of workers offered health insurance and the percentage of workers taking coverage when it was offered have remained relatively steady since the late 1980s, according to a study published in mid-2007 by the nonpartisan Employee Benefit Research Institute (EBRI). The best 50 state-specific information is provided by AHRQ, in a 30 page compilation titled " Private-Sector Data Premium, Contribution, and Cost Distributions." NCSL has excerpted key items, using years 2008, 2009 and 2010 below.
Recent News and Views
Update of Employer-Sponsored Insurance Costs with 2011 Figures
In December 2012, a new report, State Trends in Premiums and Deductibles, 2003–2011: Eroding Protection and Rising Costs Underscore Need for Action, included health reform (PPACA) factors using 2011 actial premiums, and projections for 2015 amd 2020. Published by The Commonwealth Fund, December 12, 2012
Latest Complete 50-state data on Employer-Sponsored, Private-Sector enrollment, premiums, and employee contributions for 2011. 77 pages of tables; compiled by AHRQ,
Loophole in New Law: Health Insurers Raise Some Rates by Double Digits. " Even though regulators are required by the new health care law to review requests for a large rate increases, many states have not given the overseers any authority to deny or roll back rates that are deemed excessive". Published by the N.Y. Times, January 6, 2013
Private Sector Premium Tables by State
Premium Distributions, Employee Contributions, and Employer Cost Distributions for Private-Sector Employees Enrolled in Single Coverage for 2008, 2009, and 2010
|
|
TOTAL Premium Distributions for Private-Sector Employees Enrolled in Single Coverage (Average in Dollars)
|
Employee Contribution Distributions for Private-Sector Employees Enrolled in Single Coverage (Average in Dollars)
|
Employer Cost Distributions for Private-Sector Employees Enrolled in Single Coverage (Average in Dollars)
|
|
State
|
2010
|
2009
|
2008
|
2010
|
2009
|
2008
|
2010
|
2009
|
2008
|
|
US
|
4,940
|
4,669
|
4,386
|
1,021
|
957
|
882
|
3,918
|
3,713
|
3,505
|
|
AK
|
4,571
|
6,047
|
5,293
|
1,092
|
842
|
814
|
3,479
|
5,205
|
4,479
|
|
AL
|
6,085
|
4,647
|
4,139
|
832
|
1,025
|
959
|
5,253
|
3,622
|
3,180
|
|
AR
|
4,958
|
3,717
|
3,923
|
891
|
750
|
781
|
4,067
|
2,965
|
3,142
|
|
AZ
|
4,178
|
4,358
|
4,214
|
885
|
851
|
811
|
3,293
|
3,507
|
3,404
|
|
CA
|
4,811
|
4,631
|
4,280
|
1,048
|
795
|
741
|
3,763
|
3,836
|
3,539
|
|
CO
|
4,630
|
4,570
|
4,303
|
883
|
971
|
998
|
3,747
|
3,600
|
3,305
|
|
CT
|
5,302
|
4,909
|
4,740
|
1,234
|
1,082
|
992
|
4,068
|
3,828
|
3,748
|
|
DC
|
5,653
|
5,082
|
4,890
|
1,180
|
906
|
991
|
4,473
|
4,176
|
3,898
|
|
DE
|
5,644
|
4,955
|
4,733
|
1,080
|
1,101
|
885
|
4,564
|
3,854
|
3,848
|
|
FL
|
5,120
|
4,488
|
4,517
|
1,073
|
969
|
1,065
|
4,047
|
3,519
|
3,452
|
|
GA
|
4,786
|
4,692
|
4,160
|
965
|
963
|
972
|
3,821
|
3,729
|
3,189
|
|
HI
|
4,294
|
4,116
|
3,831
|
436
|
461
|
451
|
3,858
|
3,655
|
3,380
|
|
IA
|
4,502
|
4,453
|
4,146
|
832
|
855
|
756
|
3,670
|
3,598
|
3,390
|
|
ID
|
5,067
|
4,248
|
4,104
|
1,120
|
762
|
476
|
3,947
|
3,486
|
3,629
|
|
IL
|
5,015
|
4,725
|
4,643
|
1,127
|
1,008
|
954
|
3,888
|
3,717
|
3,689
|
|
IN
|
4,440
|
4,849
|
4,495
|
930
|
1,070
|
950
|
3,509
|
3,779
|
3,545
|
|
KS
|
4,710
|
4,236
|
4,197
|
925
|
976
|
807
|
3,785
|
3,260
|
3,390
|
|
KY
|
4,683
|
4,336
|
4,009
|
886
|
1,000
|
806
|
3,797
|
3,337
|
3,203
|
|
LA
|
5,310
|
4,861
|
4,055
|
1,241
|
956
|
868
|
4,069
|
3,904
|
3,188
|
|
MA
|
5,554
|
5,268
|
4,836
|
1,207
|
1,321
|
1,110
|
4,347
|
3,947
|
3,726
|
|
MD
|
4,799
|
4,870
|
4,360
|
1,080
|
1,105
|
964
|
3,719
|
3,764
|
3,396
|
|
ME
|
5,413
|
5,119
|
4,910
|
1,200
|
981
|
1,054
|
4,213
|
4,137
|
3,856
|
|
MI
|
4,713
|
4,916
|
4,388
|
951
|
946
|
735
|
3,762
|
3,970
|
3,652
|
|
MN
|
4,964
|
4,600
|
4,432
|
1,023
|
994
|
891
|
3,941
|
3,606
|
3,541
|
|
MO
|
4,694
|
4,393
|
4,124
|
1,030
|
999
|
956
|
3,664
|
3,394
|
3,168
|
|
MS
|
4,603
|
4,469
|
4,124
|
965
|
994
|
749
|
3,637
|
3,475
|
3,375
|
|
MT
|
4,822
|
4,546
|
4,355
|
1,043
|
768
|
583
|
3,779
|
3,778
|
3,772
|
|
NC
|
4,992
|
4,676
|
4,460
|
1,084
|
998
|
827
|
3,909
|
3,677
|
3,634
|
|
ND
|
4,771
|
4,127
|
3,830
|
767
|
860
|
754
|
4,005
|
3,266
|
3,076
|
|
NE
|
5,162
|
4,312
|
4,392
|
1,086
|
873
|
1,010
|
4,075
|
3,442
|
3,382
|
|
NH
|
5,153
|
5,227
|
5,247
|
1,098
|
1,087
|
1,264
|
4,056
|
4,139
|
3,983
|
|
NJ
|
4,787
|
4,901
|
4,798
|
1,179
|
1,045
|
1,033
|
3,608
|
3,856
|
3,766
|
|
NM
|
5,220
|
4,535
|
4,074
|
1,086
|
934
|
950
|
4,134
|
3,601
|
3,124
|
|
NV
|
4,980
|
4,627
|
3,927
|
926
|
842
|
863
|
4,054
|
3,785
|
3,064
|
|
NY
|
4,719
|
5,121
|
4,638
|
891
|
1,075
|
947
|
3,828
|
4,047
|
3,691
|
|
OH
|
4,669
|
4,261
|
4,089
|
952
|
1,065
|
885
|
3,717
|
3,196
|
3,204
|
|
OK
|
4,658
|
4,243
|
4,072
|
1,043
|
815
|
787
|
3,615
|
3,428
|
3,285
|
|
OR
|
5,186
|
4,680
|
4,384
|
848
|
627
|
612
|
4,339
|
4,052
|
3,772
|
|
PA
|
4,959
|
4,749
|
4,499
|
954
|
917
|
852
|
4,005
|
3,833
|
3,647
|
|
RI
|
5,557
|
5,059
|
4,930
|
1,147
|
1,207
|
1,050
|
4,409
|
3,852
|
3,880
|
|
SC
|
4,835
|
4,503
|
4,477
|
1,006
|
898
|
849
|
3,829
|
3,606
|
3,628
|
|
SD
|
4,735
|
4,262
|
4,233
|
948
|
890
|
887
|
3,787
|
3,372
|
3,345
|
|
TN
|
4,753
|
4,549
|
4,276
|
970
|
1,010
|
914
|
3,783
|
3,539
|
3,363
|
|
TX
|
4,951
|
4,499
|
4,205
|
1,036
|
991
|
844
|
3,915
|
3,508
|
3,361
|
|
UT
|
4,501
|
4,257
|
4,197
|
1,086
|
772
|
752
|
3,415
|
3,485
|
3,445
|
|
VA
|
5,170
|
4,590
|
4,202
|
1,099
|
1,060
|
988
|
4,071
|
3,530
|
3,214
|
|
VT
|
4,960
|
5,001
|
4,900
|
1,114
|
1,008
|
986
|
3,846
|
3,993
|
3,915
|
|
WA
|
4,981
|
4,923
|
4,404
|
746
|
640
|
569
|
4,235
|
4,284
|
3,836
|
|
WI
|
4,935
|
5,132
|
4,777
|
933
|
1,011
|
1,069
|
4,003
|
4,121
|
3,708
|
|
WV
|
5,384
|
4,700
|
4,892
|
1,174
|
1,085
|
1,049
|
4,210
|
3,615
|
3,843
|
|
WY
|
5,204
|
4,703
|
4,622
|
802
|
729
|
717
|
4,402
|
3,974
|
3,905
|
Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2010 Medical Expenditure Panel Survey-Insurance Component.
Premium Distributions, Employee Contributions, and Employer Cost Distributions for Private-Sector Employees Enrolled in Family Coverage for 2008, 2009, and 2010
|
|
TOTAL Premium Distributions for Private-Sector Employees Enrolled in Family Coverage (Average in Dollars)
|
Employee Contribution Distributions for Private-Sector Employees Enrolled in Family Coverage (Average in Dollars)
|
Employer Cost Distributions for Private-Sector Employees Enrolled in Family Coverage (Average in Dollars)
|
|
State
|
2010
|
2009
|
2008
|
2010
|
2009
|
2008
|
2010
|
2009
|
2008
|
|
US
|
13871
|
13,027
|
12,298
|
3721
|
3,474
|
3,394
|
10150
|
9,553
|
8,904
|
|
AK
|
12409
|
14,182
|
13,383
|
3758
|
4,151
|
3,248
|
8651
|
10,031
|
10,135
|
|
AL
|
14232
|
11,978
|
11,119
|
3079
|
3,320
|
3,265
|
11152
|
8,658
|
7,855
|
|
AR
|
13871
|
10,969
|
11,220
|
4133
|
2,923
|
3,085
|
9737
|
8,046
|
8,134
|
|
AZ
|
11816
|
12,813
|
12,292
|
3967
|
3,617
|
4,136
|
7849
|
9,196
|
8,156
|
|
CA
|
13819
|
12,631
|
12,254
|
3845
|
3,483
|
3,398
|
9974
|
9,148
|
8,856
|
|
CO
|
13393
|
13,360
|
11,952
|
3618
|
3,370
|
4,151
|
9775
|
9,991
|
7,801
|
|
CT
|
14888
|
14,064
|
13,436
|
3824
|
3,511
|
3,075
|
11064
|
10,553
|
10,360
|
|
DC
|
14671
|
14,222
|
13,427
|
4267
|
3,623
|
3,834
|
10403
|
10,598
|
9,593
|
|
DE
|
15206
|
12,682
|
13,386
|
3822
|
3,423
|
3,373
|
11384
|
9,259
|
10,013
|
|
FL
|
15032
|
12,912
|
12,697
|
4685
|
4,275
|
4,412
|
10347
|
8,637
|
8,284
|
|
GA
|
13114
|
12,792
|
11,659
|
3702
|
3,597
|
3,814
|
9412
|
9,195
|
7,845
|
|
HI
|
12062
|
11,826
|
11,044
|
3155
|
2,868
|
2,597
|
8907
|
8,958
|
8,447
|
|
IA
|
11379
|
12,036
|
10,947
|
3701
|
3,184
|
2,524
|
7678
|
8,852
|
8,423
|
|
ID
|
14703
|
11,887
|
10,837
|
3928
|
3,233
|
2,562
|
10775
|
8,653
|
8,275
|
|
IL
|
13884
|
13,708
|
12,603
|
3462
|
3,396
|
3,366
|
10421
|
10,311
|
9,237
|
|
IN
|
13240
|
12,872
|
13,504
|
3781
|
3,257
|
2,472
|
9458
|
9,615
|
11,032
|
|
KS
|
13460
|
11,829
|
11,662
|
3257
|
3,132
|
2,954
|
10204
|
8,696
|
8,709
|
|
KY
|
13352
|
12,407
|
11,506
|
3060
|
3,408
|
2,918
|
10292
|
8,999
|
8,589
|
|
LA
|
13230
|
13,846
|
11,207
|
3962
|
4,108
|
3,607
|
9269
|
9,738
|
7,600
|
|
MA
|
14576
|
14,723
|
13,788
|
4465
|
4,088
|
3,363
|
10111
|
10,635
|
10,425
|
|
MD
|
13952
|
13,833
|
12,541
|
3728
|
3,671
|
3,920
|
10224
|
10,162
|
8,621
|
|
ME
|
14606
|
13,522
|
13,102
|
3444
|
3,857
|
4,017
|
11162
|
9,665
|
9,085
|
|
MI
|
13148
|
13,160
|
11,321
|
2879
|
2,819
|
2,522
|
10269
|
10,340
|
8,799
|
|
MN
|
13903
|
13,202
|
13,639
|
3233
|
3,712
|
3,279
|
10670
|
9,490
|
10,360
|
|
MO
|
13740
|
12,353
|
11,557
|
4105
|
3,644
|
2,994
|
9635
|
8,710
|
8,563
|
|
MS
|
12754
|
12,590
|
11,363
|
3280
|
3,907
|
3,450
|
9474
|
8,683
|
7,905
|
|
MT
|
12312
|
11,365
|
11,438
|
2992
|
3,898
|
3,823
|
9320
|
7,467
|
7,615
|
|
NC
|
13221
|
13,087
|
12,308
|
3703
|
3,936
|
4,115
|
9518
|
9,151
|
8,192
|
|
ND
|
12496
|
11,590
|
11,178
|
3379
|
3,210
|
3,388
|
9117
|
8,380
|
7,790
|
|
NE
|
15204
|
12,227
|
11,648
|
3849
|
3,532
|
3,173
|
11354
|
8,695
|
8,475
|
|
NH
|
14058
|
13,822
|
13,592
|
4010
|
3,527
|
3,922
|
10048
|
10,295
|
9,670
|
|
NJ
|
14083
|
13,750
|
12,789
|
3952
|
3,135
|
3,286
|
10131
|
10,615
|
9,503
|
|
NM
|
14730
|
12,848
|
12,071
|
3630
|
3,578
|
4,021
|
11100
|
9,270
|
8,050
|
|
NV
|
13643
|
12,700
|
11,487
|
3492
|
2,881
|
3,575
|
10151
|
9,820
|
7,912
|
|
NY
|
12544
|
13,757
|
12,824
|
3492
|
3,034
|
3,376
|
9052
|
10,723
|
9,448
|
|
OH
|
13083
|
11,870
|
11,425
|
3286
|
3,667
|
2,642
|
9797
|
8,204
|
8,783
|
|
OK
|
12900
|
11,417
|
11,053
|
3715
|
3,086
|
3,619
|
9185
|
8,330
|
7,434
|
|
OR
|
13756
|
12,783
|
12,585
|
3888
|
2,792
|
3,297
|
9868
|
9,991
|
9,288
|
|
PA
|
13550
|
13,229
|
12,339
|
3013
|
2,774
|
2,971
|
10537
|
10,455
|
9,368
|
|
RI
|
14812
|
13,608
|
13,363
|
3308
|
3,689
|
2,960
|
11504
|
9,919
|
10,403
|
|
SC
|
13234
|
12,343
|
12,068
|
3641
|
3,433
|
3,377
|
9593
|
8,910
|
8,691
|
|
SD
|
12542
|
11,596
|
11,382
|
3793
|
3,377
|
3,503
|
8748
|
8,219
|
7,879
|
|
TN
|
12729
|
12,134
|
12,302
|
3461
|
3,790
|
3,366
|
9268
|
8,344
|
8,936
|
|
TX
|
14526
|
13,221
|
11,967
|
4500
|
4,024
|
3,872
|
10026
|
9,197
|
8,095
|
|
UT
|
12618
|
11,869
|
11,783
|
3545
|
3,006
|
2,760
|
9073
|
8,863
|
9,023
|
|
VA
|
13588
|
12,622
|
11,935
|
2997
|
3,792
|
3,854
|
10591
|
8,831
|
8,080
|
|
VT
|
13907
|
14,558
|
13,091
|
4477
|
3,793
|
3,435
|
9430
|
10,764
|
9,656
|
|
WA
|
14188
|
12,758
|
13,036
|
3685
|
2,476
|
3,258
|
10503
|
9,282
|
9,778
|
|
WI
|
14194
|
14,656
|
12,956
|
3139
|
2,899
|
3,301
|
11055
|
11,756
|
9,655
|
|
WV
|
14542
|
12,554
|
12,887
|
3359
|
2,783
|
3,056
|
11182
|
9,771
|
9,830
|
|
WY
|
13899
|
14,319
|
12,734
|
3178
|
3,326
|
3,052
|
10720
|
10,993
|
9,682
|
Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2010 Medical Expenditure Panel Survey-Insurance Component.
Premium Distributions, Employee Contributions, and Employer Cost Distributions for Private-Sector Employees Enrolled in Employee-Plus-One Coverage for 2008, 2009, and 2010
|
|
TOTAL Premium Distributions for Private-Sector Employees Enrolled in Employee-Plus-One Coverage (Average in Dollars)
|
Employee Contribution Distributions for Private-Sector Employees Enrolled in Employee-Plus-One Coverage (Average in Dollars)
|
Employer Cost Distributions for Private-Sector Employees Enrolled in Employee-Plus-One Coverage (Average in Dollars)
|
|
State
|
2010
|
2009
|
2008
|
2010
|
2009
|
2008
|
2010
|
2009
|
2008
|
|
US
|
9664
|
9,053
|
8,535
|
2498
|
2,363
|
2,303
|
7167
|
6,690
|
6,231
|
|
AK
|
9515
|
10,718
|
9,907
|
2555
|
2,674
|
2,249
|
6959
|
8,044
|
7,658
|
|
AL
|
10743
|
9,255
|
8,053
|
2383
|
1,931
|
2,060
|
8360
|
7,324
|
5,993
|
|
AR
|
9494
|
7,494
|
7,854
|
2483
|
1,861
|
2,011
|
7011
|
5,633
|
5,842
|
|
AZ
|
8011
|
9,105
|
8,483
|
2297
|
2,225
|
2,513
|
5714
|
6,880
|
5,970
|
|
CA
|
9559
|
8,863
|
8,351
|
2452
|
2,392
|
2,123
|
7107
|
6,470
|
6,228
|
|
CO
|
9112
|
8,846
|
8,428
|
2228
|
2,309
|
2,558
|
6884
|
6,537
|
5,870
|
|
CT
|
10720
|
9,524
|
9,305
|
2728
|
2,034
|
2,380
|
7992
|
7,490
|
6,924
|
|
DC
|
9906
|
10,212
|
8,968
|
2684
|
2,780
|
2,479
|
7222
|
7,432
|
6,488
|
|
DE
|
11340
|
9,703
|
9,041
|
2536
|
2,464
|
2,215
|
8804
|
7,239
|
6,826
|
|
FL
|
9718
|
8,703
|
8,444
|
3049
|
2,700
|
2,705
|
6669
|
6,002
|
5,739
|
|
GA
|
8947
|
8,890
|
8,126
|
2408
|
2,538
|
2,617
|
6539
|
6,353
|
5,508
|
|
HI
|
8915
|
8,241
|
7,691
|
2651
|
2,020
|
2,101
|
6264
|
6,221
|
5,590
|
|
IA
|
8781
|
8,468
|
8,191
|
2273
|
1,961
|
1,924
|
6508
|
6,507
|
6,267
|
|
ID
|
9980
|
8,312
|
7,871
|
2629
|
2,052
|
1,736
|
7351
|
6,259
|
6,135
|
|
IL
|
9886
|
9,199
|
9,232
|
2563
|
2,348
|
2,460
|
7323
|
6,851
|
6,772
|
|
IN
|
9027
|
9,011
|
8,966
|
2453
|
2,468
|
2,021
|
6574
|
6,543
|
6,945
|
|
KS
|
8592
|
8,082
|
8,143
|
2116
|
2,211
|
2,251
|
6477
|
5,871
|
5,892
|
|
KY
|
9079
|
8,179
|
7,716
|
2076
|
2,230
|
2,066
|
7003
|
5,949
|
5,651
|
|
LA
|
9277
|
9,880
|
7,929
|
2680
|
2,892
|
2,428
|
6597
|
6,988
|
5,501
|
|
MA
|
10883
|
10,500
|
9,393
|
3057
|
2,723
|
2,164
|
7825
|
7,777
|
7,229
|
|
MD
|
9437
|
9,989
|
8,805
|
2643
|
2,269
|
2,407
|
6794
|
7,719
|
6,398
|
|
ME
|
10226
|
10,030
|
9,107
|
2383
|
2,766
|
2,688
|
7843
|
7,264
|
6,419
|
|
MI
|
9833
|
9,606
|
8,712
|
2012
|
1,882
|
1,759
|
7821
|
7,724
|
6,953
|
|
MN
|
9220
|
8,685
|
8,831
|
2382
|
2,259
|
2,257
|
6828
|
6,426
|
6,574
|
|
MO
|
8942
|
8,483
|
7,937
|
2594
|
2,528
|
2,288
|
6347
|
5,955
|
5,648
|
|
MS
|
8818
|
9,095
|
8,005
|
2419
|
2,746
|
2,719
|
6399
|
6,349
|
5,286
|
|
MT
|
8619
|
8,582
|
8,182
|
2374
|
2,808
|
2,222
|
6245
|
5,774
|
5,960
|
|
NC
|
9470
|
9,081
|
8,234
|
2376
|
2,294
|
2,435
|
7094
|
6,787
|
5,799
|
|
ND
|
8475
|
8,054
|
7,751
|
2054
|
2,067
|
2,095
|
6421
|
5,987
|
5,656
|
|
NE
|
10546
|
8,416
|
8,178
|
2641
|
2,474
|
2,375
|
7905
|
5,942
|
5,804
|
|
NH
|
9996
|
10,236
|
10,429
|
2269
|
2,446
|
3,005
|
7727
|
7,790
|
7,424
|
|
NJ
|
9411
|
9,194
|
8,739
|
2641
|
2,047
|
2,561
|
6771
|
7,147
|
6,178
|
|
NM
|
10642
|
8,960
|
7,858
|
2496
|
2,402
|
2,351
|
8146
|
6,559
|
5,507
|
|
NV
|
8980
|
8,754
|
7,753
|
2166
|
2,118
|
2,085
|
6813
|
6,637
|
5,668
|
|
NY
|
9358
|
9,766
|
8,807
|
2566
|
2,342
|
2,405
|
6792
|
7,424
|
6,402
|
|
OH
|
9268
|
8,353
|
8,194
|
2298
|
2,375
|
1,880
|
6970
|
5,978
|
6,313
|
|
OK
|
9413
|
8,472
|
7,836
|
2837
|
2,116
|
2,257
|
6576
|
6,356
|
5,579
|
|
OR
|
9713
|
9,004
|
8,733
|
2807
|
2,277
|
2,178
|
6907
|
6,727
|
6,556
|
|
PA
|
10018
|
9,415
|
9,022
|
2023
|
2,121
|
2,124
|
7995
|
7,294
|
6,898
|
|
RI
|
11064
|
10,026
|
9,080
|
2268
|
2,637
|
2,321
|
8796
|
7,389
|
6,759
|
|
SC
|
8800
|
8,749
|
8,681
|
2512
|
2,764
|
2,523
|
6287
|
5,985
|
6,158
|
|
SD
|
9806
|
8,274
|
8,931
|
2895
|
2,312
|
2,521
|
6944
|
5,962
|
6,410
|
|
TN
|
9046
|
8,954
|
8,495
|
2501
|
2,575
|
2,217
|
6545
|
6,379
|
6,278
|
|
TX
|
10018
|
8,869
|
8,278
|
2966
|
2,598
|
2,566
|
7052
|
6,271
|
5,712
|
|
UT
|
8394
|
7,974
|
8,330
|
2183
|
1,740
|
2,154
|
6211
|
6,234
|
6,176
|
|
VA
|
9938
|
8,846
|
7,886
|
2406
|
2,474
|
2,332
|
7532
|
6,371
|
5,554
|
|
VT
|
9530
|
10,187
|
9,965
|
2836
|
2,614
|
2,497
|
6694
|
7,573
|
7,468
|
|
WA
|
10311
|
8,997
|
8,681
|
2429
|
2,397
|
2,147
|
7881
|
6,600
|
6,534
|
|
WI
|
10521
|
9,969
|
9,408
|
2291
|
2,300
|
2,471
|
8231
|
7,669
|
6,937
|
|
WV
|
10500
|
9,198
|
8,968
|
2616
|
2,366
|
2,393
|
7884
|
6,832
|
6,574
|
|
WY
|
10193
|
9,860
|
8,927
|
2315
|
2,376
|
2,018
|
7878
|
7,484
|
6,909
|
Source: Agency for Healthcare Research and Quality, Center for Financing, Access and Cost Trends. 2010 Medical Expenditure Panel Survey-Insurance Component.
State by State, 2004-2006
Many organizations and agencies have reported health premiums over the years. However, state-by-state current data is scarce, and no federal agency releases such figures on an annual basis.
For 2007, the Joint Economic Committee of the U.S. Congress released an updated tally of actual premium payments, contained within State by State Economic Snapshots: May 2007, online at http://jec.senate.gov. Their report indicated an average annual increase of 8.8% during 2004 to 2006.
|
|
Single Coverage Health Care Premium (Average in Dollars)
|
Family Coverage Health Care Premium (Average in Dollars)
|
Number Employer-Based
|
Percent of Population
|
|
State
|
2006
|
2005
|
2004
|
2006
|
2005
|
2004
|
|
US
|
4,357
|
4,046
|
3,705
|
11,768
|
10,927
|
10,006
|
156,326,430
|
53%
|
|
AL
|
4,015
|
3,728
|
3,414
|
10,963
|
10,180
|
9,322
|
2,384,910
|
53%
|
|
AK
|
5,150
|
4,782
|
4,379
|
12,185
|
11,314
|
10,361
|
332,320
|
52%
|
|
AZ
|
4,043
|
3,754
|
3,438
|
10,560
|
9,805
|
8,979
|
2,729,070
|
46%
|
|
AR
|
3,822
|
3,549
|
3,250
|
9,859
|
9,154
|
8,383
|
1,265,580
|
46%
|
|
CA
|
4,156
|
3,859
|
3,534
|
11,240
|
10,436
|
9,557
|
17,110,580
|
48%
|
|
CO
|
4,333
|
4,023
|
3,684
|
12,029
|
11,169
|
10,228
|
2,649,060
|
58%
|
|
CT
|
4,544
|
4,219
|
3,864
|
12,978
|
12,050
|
11,035
|
2,111,690
|
61%
|
|
DE
|
4,504
|
4,182
|
3,830
|
12,454
|
11,563
|
10,589
|
483,560
|
58%
|
|
DC
|
4,961
|
4,606
|
4,218
|
13,810
|
12,822
|
11,742
|
269,570
|
50%
|
|
FL
|
4,477
|
4,157
|
3,807
|
12,283
|
11,405
|
10,444
|
6,176,050
|
46%
|
|
GA
|
3,922
|
3,642
|
3,335
|
10,958
|
10,174
|
9,317
|
4,656,210
|
53%
|
|
HI
|
3,668
|
3,406
|
3,119
|
10,091
|
9,369
|
8,580
|
740,990
|
60%
|
|
ID
|
4,033
|
3,744
|
3,429
|
10,477
|
9,726
|
8,908
|
761,500
|
54%
|
|
IL
|
4,431
|
4,115
|
3,768
|
12,181
|
11,310
|
10,357
|
7,362,010
|
59%
|
|
IN
|
4,217
|
3,916
|
3,586
|
11,607
|
10,777
|
9,869
|
3,539,530
|
58%
|
|
IA
|
4,186
|
3,889
|
3,561
|
11,081
|
10,289
|
9,422
|
1,722,250
|
59%
|
|
KS
|
4,364
|
4,052
|
3,711
|
11,152
|
10,354
|
9,482
|
1,568,080
|
59%
|
|
KY
|
4,166
|
3,868
|
3,542
|
11,628
|
10,797
|
9,887
|
2,169,190
|
4%
|
|
LA
|
4,099
|
3,806
|
3,485
|
12,009
|
11,150
|
10,211
|
2,072,290
|
49%
|
|
ME
|
4,841
|
4,495
|
4,116
|
12,729
|
11,819
|
10,823
|
665,260
|
51%
|
|
MD
|
4,376
|
4,063
|
3,721
|
11,590
|
10,762
|
9,855
|
3,321,870
|
60%
|
|
MA
|
4,870
|
4,522
|
4,141
|
12,418
|
11,530
|
10,559
|
3,762,010
|
59%
|
|
MI
|
4,608
|
4,278
|
3,918
|
11,482
|
10,661
|
9,763
|
5,835,440
|
59%
|
|
MN
|
4,480
|
4,159
|
3,809
|
12,122
|
11,255
|
10,307
|
3,232,420
|
63%
|
|
MO
|
4,186
|
3,886
|
3,559
|
10,834
|
10,060
|
9,212
|
3,129,220
|
55%
|
|
MS
|
4,242
|
3,939
|
3,607
|
10,806
|
10,033
|
9,188
|
1,309,470
|
46%
|
|
MT
|
4,328
|
4,019
|
3,680
|
10,625
|
9,865
|
9,034
|
417,910
|
46%
|
|
NE
|
4,381
|
4,068
|
3,725
|
11,297
|
10,490
|
9,606
|
1,005,160
|
58%
|
|
NV
|
4,556
|
4,230
|
3,874
|
11,726
|
10,887
|
9,970
|
1,381,070
|
7%
|
|
NH
|
4,803
|
4,460
|
4,084
|
13,120
|
12,182
|
11,158
|
854,280
|
66%
|
|
NJ
|
4,566
|
4,239
|
3,882
|
13,437
|
12,476
|
11,425
|
5,428,020
|
62%
|
|
NM
|
4,000
|
3,714
|
3,401
|
11,317
|
10,508
|
9,623
|
828,840
|
43%
|
|
NY
|
4,537
|
4,213
|
3,858
|
12,228
|
11,354
|
10,397
|
10,012,430
|
53%
|
|
NC
|
4,176
|
3,878
|
3,551
|
12,044
|
11,183
|
10,241
|
4,441,010
|
53%
|
|
ND
|
3,930
|
3,649
|
3,342
|
9,173
|
8,518
|
7,800
|
345,400
|
6%
|
|
OH
|
4,448
|
4,130
|
3,782
|
11,279
|
10,472
|
9,590
|
6,706,100
|
59%
|
|
OK
|
4,286
|
3,979
|
3,644
|
11,101
|
10,307
|
9,439
|
1,648,530
|
48%
|
|
OR
|
4,359
|
4,047
|
3,706
|
11,650
|
10,817
|
9,906
|
1,888,140
|
52%
|
|
PA
|
4,317
|
4,009
|
3,671
|
11,746
|
10,906
|
9,987
|
7,041,680
|
58%
|
|
RI
|
5,137
|
4,770
|
4,368
|
12,020
|
11,160
|
10,220
|
584,730
|
56%
|
|
SC
|
4,437
|
4,120
|
3,773
|
11,734
|
10,895
|
9,977
|
2,079,910
|
50%
|
|
SD
|
4,056
|
3,766
|
3,449
|
11,788
|
10,945
|
10,023
|
388,100
|
51%
|
|
TN
|
4,274
|
3,968
|
3,634
|
12,397
|
11,511
|
10,541
|
2,854,050
|
49%
|
|
TX
|
4,447
|
4,129
|
3,781
|
11,890
|
11,040
|
10,110
|
10,805,450
|
48%
|
|
UT
|
3,568
|
3,313
|
3,034
|
10,178
|
9,450
|
8,654
|
1,431,430
|
58%
|
|
VT
|
4,791
|
4,449
|
4,074
|
12,572
|
11,673
|
10,690
|
318,520
|
52%
|
|
VA
|
4,546
|
4,221
|
3,865
|
12,031
|
11,171
|
10,230
|
4,406,750
|
60%
|
|
WA
|
4,243
|
3,940
|
3,608
|
12,016
|
11,157
|
10,217
|
3,428,500
|
56%
|
|
WV
|
4,342
|
4,032
|
3,692
|
11,281
|
10,474
|
9,592
|
867,510
|
48%
|
|
WI
|
4,618
|
4,288
|
3,927
|
11,933
|
11,079
|
10,146
|
3,198,690
|
59%
|
|
WY
|
4,423
|
4,107
|
3,761
|
11,393
|
10,578
|
9,687
|
264,970
|
53%
|
NOTE:
1 - The JEC is a bicameral Congressional Committee composed of ten members from each the Senate and the House of Representatives. There are twelve Democrats and eight Republicans on the Committee. The JEC was established by the Employment Act of 1946 (Public Law 304). Its main purpose is to make a continuing study of matters relating to the US economy. The Committee holds hearings, performs research and advises Members of Congress.
Additional Resources
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Premiums versus Paychecks: A Growing Burden for Workers: "Over the last eight years, health care costs have skyrocketed, while working families’ wages have stood still, putting a significant strain on family budgets. This series of state-specific reports examine what these trends mean for working families." Press Releases by Families USA, (October 2008)
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