Transcript $0 Arkansas Alabama Iowa Tennessee Idaho Mississippi Utah North Dakota Louisiana Nevada Hawaii Nebraska Missouri Oklahoma Georgia Oregon North Carolina Ohio Michigan Kansas South Dakota Montana Washington Indiana Florida Wyoming Virginia Colorado Arizona Texas Pennsylvania Illinois South Carolina Rhode Island Maryland New Mexico Kentucky Wisconsin Minnesota Maine New Jersey West Virginia California Delaware Alaska Connecticut Vermont New York District of Columbia New Hampshire Massachusetts Exhibit 1.

$0
Arkansas
Alabama
Iowa
Tennessee
Idaho
Mississippi
Utah
North Dakota
Louisiana
Nevada
Hawaii
Nebraska
Missouri
Oklahoma
Georgia
Oregon
North Carolina
Ohio
Michigan
Kansas
South Dakota
Montana
Washington
Indiana
Florida
Wyoming
Virginia
Colorado
Arizona
Texas
Pennsylvania
Illinois
South Carolina
Rhode Island
Maryland
New Mexico
Kentucky
Wisconsin
Minnesota
Maine
New Jersey
West Virginia
California
Delaware
Alaska
Connecticut
Vermont
New York
District of Columbia
New Hampshire
Massachusetts
Exhibit 1. Premiums for Family Coverage, by State, 2011
Dollars
$20,000
U.S. average = $15,022
$15,000
$10,000
$5,000
Source: 2011 Medical Expenditure Panel Survey–Insurance Component.
Exhibit 2. Employer Premiums as Percentage of Median Household
Income for Under-65 Population, 2003 and 2011
80 percent of under-65 population live where premiums
are 20 percent or more of income
2003
2011
WA
WA
MT
VT NH ME
ND
MN
OR
ID
SD
UT
CO
AZ
NY
MI
PA
IL
KS
OK
NM
MO
OH
IN
KY
WI
SD
WY
CA
UT
CO
AZ
SC
PA
IL
KS
MO
OK
NM
OH
IN
KY
TX
CT
NJ
DE
MD
DC
NC
TN
SC
MS AL
LA
WV VA
AR
GA
MA
RI
IA
NE
NV
NY
MI
NC
TN
AR
MS AL
TX
WV VA
CT
NJ
DE
MD
DC
NH ME
MN
ID
MA
RI
IA
NE
NV
VT
ND
OR
WI
WY
CA
MT
GA
LA
FL
FL
HI
HI
AK
AK
Less than 14%
14%–16.9%
17%–19.9%
20% or more
Sources: 2003 and 2011 Medical Expenditure Panel Survey–Insurance Component (for total average premiums for employer-based
health insurance plans, weighted by single and family household distribution); 2003–04 and 2011–12 Current Population Surveys
(for median household incomes for under-65 population).
Exhibit 3. Employee Contribution for Family Coverage,
Average Annual Employee Premium Share, 2003 and 2011
Dollars per year for family coverage
Lowest five states average
U.S. average
Highest five states average
$5,000
$4,704
$3,962
$4,000
$3,286
$2,764
$3,000
$2,283
$2,000
$1,745
$1,000
$0
2003
2011
Source: Medical Expenditure Panel Survey–Insurance Component (employee premium share for 2003 and 2011).
Exhibit 4. Private Health Insurance Deductibles:
State Averages by Firm Size and Household Type, 2003–2011
2003
2011
Percent
change
$518
$1,123
117%
$1,079
$2,220
106%
$703
$1,561
122%
$1,575
$3,329
111%
Single-person plan
$452
$1,010
123%
Family plan
$969
$2,052
112%
Average, all firms
Single-person plan
Family plan
Average, small firms
Single-person plan
Family plan
Average, large firms
Note: Small firms = firms with fewer than 50 employees; large firms = firms with 50 or more employees.
Source: Medical Expenditure Panel Survey–Insurance Component, 2003 and 2011.
$0
Hawaii
District of Columbia
North Dakota
Maryland
Alabama
West Virginia
Virginia
Pennsylvania
New York
Michigan
New Mexico
Rhode Island
Alaska
Washington
California
Massachusetts
Mississippi
Georgia
Oregon
Illinois
Utah
Idaho
Nevada
Arkansas
New Jersey
Delaware
Kansas
Florida
Oklahoma
Missouri
Indiana
Wyoming
Louisiana
South Carolina
Ohio
Kentucky
Colorado
Wisconsin
Minnesota
Iowa
Nebraska
Connecticut
South Dakota
Arizona
Texas
North Carolina
New Hampshire
Maine
Montana
Vermont
Tennessee
Exhibit 5. Single-Person Deductibles, by State, 2011
Dollars
$2,000
$1,500
U.S. average = $1,123
$1,000
$500
Source: 2011 Medical Expenditure Panel Survey–Insurance Component.
Exhibit 6. Total Premiums for Family Coverage,
2003, 2011, 2015, and 2020
Health insurance premiums for family coverage (dollars)
2003
2011
2015*
2020*
$30,000
27,920
24,740
$25,000
21,162
20,544
$20,000
18,751
15,022
$15,000
16,953
15,571
12,474
10,748
$10,000
9,249
7,866
$5,000
$0
U.S. average
Lowest state
* Premium estimates for 2015 and 2020 using 2003–11 historical average national growth rate.
Source: Medical Expenditure Panel Survey–Insurance Component (premiums for 2003 and 2011).
Highest state
Exhibit 7. Average Rebate per Family, by State, 2012
WA
MT
VT NH ME
ND
MN
OR
ID
WI
SD
WY
MI
IL
UT
RI
PA
IA
NE
NV
OH
IN
CO
CA
KS
AZ
OK
NM
WV VA
MO
KY
TX
CT
NJ
DE
MD
DC
NC
TN
AR
SC
MS
AL
GA
No rebate (2 states)
LA
FL
HI
MA
NY
Less than $125 (16 states)
$125–$199 (16 states + DC)
AK
$200–$499 (13 states)
$500 or more (3 states)
Source: Authors’ analysis. Data: http://www.healthcare.gov/law/resources/reports/mlr-rebates06212012a.html.
Exhibit 8. Market Share of Three Largest Health Plans, by State, 2011
WA
MT
VT NH ME
ND
MN
OR
ID
WI
SD
WY
MI
IL
UT
RI
PA
IA
NE
NV
OH
IN
CO
CA
KS
AZ
MA
NY
OK
NM
WV VA
MO
KY
NC
TN
AR
SC
MS
TX
CT
NJ
DE
MD
DC
AL
GA
LA
45%–59% (5 states)
FL
60%–69% (17 states)
HI
AK
70%–79% (20 states + DC)
80%–91% (8 states)
Source: Authors' analysis of Managed Market Surveyor, HealthLeaders-Interstudy data on health insurance enrollment as of
January 2011. Healthleaders-Interstudy. Used with Permission. All Rights Reserved.
Exhibit 9. Employer-Sponsored Insurance Costs per Enrollee Increasing
Faster Than Medicare Spending per Enrollee
Annual rate of growth, percent
Medicare per enrollee
Employer-sponsored insurance per enrollee
5.0
4.6
4.5
4.0
3.7
2.9
3.0
2.0
1.0
0.0
2008–2011
2011–2021 (projected)
Source: CMS Office of the Actuary, National Health Expenditure Projections, 2011–2021, updated June 2012.
Exhibit 10. Projected Annual Savings in Family Premiums, 2015 and 2020
U.S. average premium
at 2003–11 historical
rate of increase
2015
2020
2015
2020
$18,751
$24,740
$18,751
$24,740
1% slower growth
1.5% slower growth
U.S. average premium
with savings
$18,052
$22,712
$17,709
$21,754
U.S. average savings
–$700
–$2,029
–$1,042
–$2,986
Average savings for
lowest 10 premium
states (AR, AL, IA, TN,
ID, MS, UT, ND, LA, NV)
–$617
–$1,788
–$918
–$2,632
Average savings for
highest 10 premium
states (WV, CA, DE, AK,
CT, VT, NY, DC, NH, MA)
–$760
–$2,204
–$1,132
–$3,244
Source: Medical Expenditure Panel Survey–Insurance Component; Premium estimates for 2015 and 2020 using
2003–11 historical average national growth rate.