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

Arkansas
Montana
Oklahoma
North Dakota
South Dakota
Hawaii
Kansas
Utah
Ohio
Idaho
Alabama
Iowa
Tennessee
Nebraska
South Carolina
Missouri
Kentucky
West Virginia
Mississippi
Virginia
California
Delaware
Nevada
Washington
Oregon
Georgia
Arizona
New Mexico
Indiana
Florida
North Carolina
Michigan
Minnesota
Texas
Pennsylvania
Colorado
Maine
Rhode Island
Illinois
New Jersey
New York
New
Maryland
Louisiana
Connecticut
Alaska
DC
Wyoming
Vermont
Wisconsin
Massachusetts
Figure 1. Premiums for Family Coverage, by State, 2009
Dollars
15,000
U.S. average = $13,027
10,000
5,000
0
Data source: 2009 Medical Expenditure Panel Survey–Insurance Component.
Figure 2. Employer Premiums as Percentage of Median Household
Income for Under-65 Population, 2003 and 2009
2003
2009
WA
VT
NH ME
NH
WA
ND
MT
VT
MT
MN
OR
ID
NY
WI
SD
MI
WY
PA
IA
NE
CA
OH
IN
NV
UT
IL
CO
MA
KS
MO
WV
VA
KY
NJ
RI
CT
MN
OR
ID
MI
PA
IA
NE
CA
IL
CO
KS
MO
AZ
NM
MS
TX
AL
NC
AZ
GA
NM
OK
SC
AR
MS
LA
TX
AL
GA
LA
FL
AK
FL
AK
HI
18% or more
16%–17.9%
VA
TN
SC
AR
WV
KY
TN
OK
OH
IN
NV
UT
MA
NY
WI
SD
WY
DE
MD
DC
NC
ME
ND
HI
14%–15.9%
Less than 14%
Data sources: 2003 and 2009 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
2009–2010 Current Population Surveys (for median household incomes for under-65 population).
NJ
RI
CT
DE
MD
DC
Figure 3: Private Health Insurance Deductibles: State Averages by Firm
Size and Household Type, 2003-2009
2003
2009
$3,000
$2,662
$2,500
$2,000
$1,610
$1,575
$1,500
$1,000
$500
$1,283
$969
$822
$703
$452
$0
Small Firm
Large Firm
Single Person Plan
Small Firm
Large Firm
Family Plan
Data source: Medical Expenditure Panel Survey–Insurance Component, 2003 and 2009. Small is less than 50 employees.
Figure 4. Premiums for Family Coverage, 2003, 2009, 2015, and 2020
Health insurance premiums for family coverage
2003
2009
2015
2020
$30,000
26,380
23,342
$25,000
$20,000
17,906
15,077
$15,000
13,027
10,969
$10,000
20,237
19,654
9,249
14,723
10,748
7,866
$5,000
$0
U.S. average
Lowest state
Highest state
Data sources: Medical Expenditure Panel Survey–Insurance Component (premiums for 2003 and 2009); Premium
estimates for 2015 and 2020 using 2003-09 historic average national growth rate.
Figure 5. Projected Annual Savings in Family Premiums, 2015 and 2020
U.S. average premium
at historic rate
2015
2020
2015
2020
$17,906
$23,342
$17,906
$23,342
1% Slower Growth
1.5% Slower Growth
U.S. average premium
with savings
$16,911
$21,019
$16,431
$19,938
U.S. average savings
–$995
–$2,323
–$1,475
–$3,403
Average savings for
lowest 10 premium
states (AR, MT, OK, ND, SD,
–$888
–$2,072
–$1,316
–$3,036
–$1,086
–$2,536
–$1,610
–$3,716
HI, KS, UT, OH, ID)
Average savings for
highest 10 premium
states (MA, WI, VT, WY, DC,
AK, CT, LA, MD, NH)
Data sources: 2009 Medical Expenditure Panel Survey–Insurance Component; Premium estimates for 2015 and 2020 using
2003–09 historic average national growth rate.