Costs and Coverage

Health Insurance Costs and Coverage

costs of insurance


The second year open enrollment period for private insurance plans offered through state and federal marketplaces runs for three months, Nov. 15 to Feb. 15, 2015. Both state-run and Federally-Facilitated Marketplaces have changed web designs and use simpler forms, but have a bigger challenge - serving both brand new applicants and some of the more than 7-million enrollees who want to comparison shop or calculate their premium subsidy for 2015.  NCSL's report has the 50-state history and next year's plans.








The cost and the extent of coverage of health insurance remains a top concern for health policymakers. Both the percentage and number of people with health insurance increased in 2011, to 84.3 percent and 260.2 million. Average 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,  With Health Benefit Exchanges or Marketplaces open for business as of October 1, 2013 these figures are projected to change significantly.  NCSL has reports that describe health insurance costs and coverage, both commercial market and the new Exchanges / Marketplaces. .


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  • Health Insurance State Flexibility

    This April 24 webinar will provide an insightful and timely look at state options for health insurance. Several national experts will share 2015 perspectives on what consumers, state policymakers, regulators and industry professionals face.

  • State Actions to Address Health Insurance Exchanges

    Read this NCSL report for March 2015 information on state actions and responses to implement exchanges as outlined in the Affordable Care Act. This material includes links to activities, with 2015 deadlines and enrollment figures by state. It also includes state information about insurers and premiums.

  • Health Insurance Premiums and Premium Costs by State

    Actual health insurance premiums and rates presented nationally and by state for 2014 and 2015. Table includes historical trends and links to the best sources, including a Commonwealth Fund-designed interactive map.

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