Health Insurance: Premiums and Increases
Updated August 2011
The increased cost of health insurance is a central fact in any discussion of health policy and health delivery. As annual premiums surge beyond $13,000 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. 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 are up to $13,375 according to the 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.
|
Update of Employer-Sponsored Insurance Tables with 2010 Estimates
In August 2011, SHADAC updated the estimates related to employer-sponsored insurance (ESI) in firms with 50 to 99 employees, made available by the Agency for Healthcare Research and Quality (AHRQ) from the Medical Expenditure Panel Survey - Insurance Component (MEPS IC) and now include 2010 estimates from the MEPS IC. There are three sets of tables 1) availability and enrollment in ESI; 2) premiums and employee contributions for ESI; and 3) enrollee cost sharing for ESI. |
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
|
|
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
|
|
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
|
|
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
Commonwealth Fund: State Trends in Premiums and Deductibles, 2003–2010: The Need for Action to Address Rising Costs, posted November 17, 2011 [NEW]
- Issue Brief (4441K PDF)
- Chartpack (573K PDF)
Health Insurance Premiums: Past High Costs Will Become the Present and Future Without Health Reform
- Posted by DHHS January 28, 2011 [NEW]
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)
Individual Health Insurance 2006-2007: A Comprehensive Survey of Premiums, Availability, and Benefits - One of a series of AHIP surveys, shows that the market for individually purchased coverage is more affordable and accessible than may be widely known. Published 12/17/07.
50-State Health Insurance and access profile - Compares 2007 and 2004 data for insurance coverage. Published 12/07 by Minnesota State Health Access Data Assistance Center, posted 12/08.
Health Insurance Coverage Rates (0-64 years) by Type of Coverage and State: 2007- Published 12/07 by Minnesota State Health Access Data Assistance Center, posted 2/10.
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