As of 2014, the Patient Protection and Affordable Care Act (PPACA) changed how insurers determine health insurance premiums and how consumers shop for individual market health insurance plans. For example, PPACA:
For both 2014 and 2015, GAO obtained data on individual market (non-group) plan premiums. The states in this map each link to files showing the range of health insurance premiums for two categories of individual market plans (exchange plans and all plans) that were available to these selected categories of hypothetical consumers:
Click a state for a file showing—by county—the premium amounts by metal tier and availability on an exchange, for the individual (non-group) plans with the minimum, median, and maximum premium values.
No data | |
Partial data | |
Complete data |
Source: GAO analysis of Center for Consumer Information and Insurance Oversight data. | GAO-15-687.
The files do not contain all information for all states because some data was not sufficiently reliable to report. For example, GAO did not report data if it determined that the data were for fewer than 70 percent of plan offerings in a given state for a given year. The states with dark gray shading indicate that the linked spreadsheets include complete data for that state—including data for both years and for both categories of plans. The states with light gray shading indicate that the linked spreadsheets include partial data for that state, such as only for one category of plans or one year. One state (Washington) and the District of Columbia are not shaded and contain no data because the data were not sufficiently reliable in either year.
Notes: Data reflect available information for plans sold to provide health insurance coverage for the years 2014 and 2015, and may include plans with little or no enrollment. “Exchange plans” means plans that were available on an exchange, and “all plans” means all plans whether or not they were available on an exchange.
Under PPACA, premiums for smokers can be up to 50 percent higher than premiums for nonsmokers.