441 G St. N.W.

Washington, DC 20548

January 31, 2014 The Honorable Orrin G. Hatch Ranking Member Committee on Finance United States Senate Private Health Insurance: The Range of Base Premiums for Individuals Age 19 and 64 in the Individual Market by State in January 2013 Dear Senator Hatch: Millions of Americans obtain health coverage by purchasing private health insurance, 1 including over 11 million individuals who purchased individual market plans in 2011. 2 These Americans may be purchasing individual health insurance for a variety of reasons, including being selfemployed or a small business owner, or because their own employer does not offer insurance. In 2013, in most states, under applicable law, individual health insurance market premium rates could have varied on the basis of age, gender, health status, and other factors. In addition, states could have varied in their specific requirements for what insurers could consider in underwritingthe process of assessing the health status of the insurance applicant and setting the premium according to the health risk of that individual. 3 Historically, with certain exceptions, when individuals purchasing coverage in the individual market went through the underwriting process, their coverage could have been denied, offered at a higher-than-average premium, or offered with a rider that excluded coverage of a preexisting condition. 4 The Patient Protection and Affordable Care Act (PPACA) included a number of provisions that changed private health insurance requirements, and these changes could affect the cost of individual market health insurance premiums. For example, under PPACA, insurers may not deny coverage to individuals based on preexisting conditions or use gender or health status to set premium rates, and they are restricted in the amount they can vary premiums based on age and tobacco use. 5 PPACA also included an individual mandate that requires most individuals to have health insurance coverage or pay a tax penalty. 6 These PPACA provisions were not
1 Private health insurance includes individual and group market plans. Participants in the individual market purchase health insurance coverage directly from an insurance carrier. Group market participants generally obtain health insurance coverage through a group health plan, usually offered by an employer. 2

Centers for Medicare & Medicaid Services, The 80/20 Rule: How Insurers Spend Your Health Insurance Premiums (Baltimore, Md.: February 15, 2013).

Bernadette Fernandez, Congressional Research Service, Drivers of Premium Increases and Review of Health Insurance Rates (Washington, D.C.: January 20, 2012). A preexisting condition is a health condition that exists before someone applies for or enrolls in new health insurance coverage.
5 4

See the Patient Protection and Affordable Care Act (PPACA), Pub. L. No. 111-148, 1201, 124 Stat. 119, 154 (2010) (codified at 42 U.S.C. 300gg(a)(1)(A)).

Pub. L. No. 111-148, 1501, 10106, 124 Stat. 242, 907, as amended by the Health Care and Education Reconciliation Act of 2010, Pub. L. No. 111-152, 1002, 1004, 124 Stat. 1029, 1032, 1034 (codified as amended at 26 U.S.C. 5000A).

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required to be met until 2014. As a result, beginning in January 2014, the way insurers calculate base premiums may change. 7 The Center for Consumer Information and Insurance Oversight (CCIIO) within the Department of Health and Human Services (HHS) Centers for Medicare & Medicaid Services (CMS) maintains an online portalthe HealthCare.gov Plan Finderthat displays insurers premiums to assist consumers in comparing health insurance coverage options in the individual market. 8 In January 2013, the data displayed on the HealthCare.gov Plan Finder included insurers base premiums prior to underwriting. These premium amounts were not subject to the PPACA provisions that took effect in 2014. They represented the lowest premium amounts that would have been available to different categories of individuals at that time, and were subject to an underwriting process that could have resulted in higher premiums depending on an individuals health status, for example the presence of a preexisting condition. In July 2013, we reported the range of base premiums for private health insurance coverage options for different categories of individuals in each of the 50 states and the District of Columbia as they were displayed for individuals on the HealthCare.gov Plan Finder in January of 2013. 9 You asked us to expand our analysis to include ranges of base premiums for additional categories of individuals that would represent individuals whose premiums would be among the lowest and highest based on age. In the enclosures to this letter, we are reporting the range of base premiums that were displayed for young adults (age 19), and older adults not yet eligible for Medicare (age 64). For both age categories, we are reporting the range of base premiums displayed for nonsmoking and smoking individuals in each of the 50 states and the District of Columbia on the HealthCare.gov Plan Finder in the month of January 2013. To examine the range of base premiums that was displayed on the HealthCare.gov Plan Finder, we analyzed data maintained by CCIIO. The data included insurers base premiums for health plans that were publically available to consumers through the Plan Finder in the month of January 2013. 10 Because insurers may have established different rates for individuals for a variety of factors, the data represent base premium amounts prior to underwriting, rather than the actual premium amount an individual may have been charged. Actual premium amounts could have been higher than the base rates, as they would have been determined after more complete underwriting for health conditions and other factors, and some individuals could have

In addition, beginning January 1, 2014, premium tax credits and cost-sharing subsidies became available under PPACA for qualified individuals. Premium tax credits may be used to reduce monthly premiums, and cost-sharing subsidies decrease out-of-pocket expenses such as deductibles and copays. This online portal was established pursuant to a requirement in PPACA, Pub. L. No. 111148, 1103(a), 10102(b), 124 Stat. 119, 146, 892 (codified at 42 U.S.C. 18003). The Plan Finder can be found at http://finder.healthcare.gov/ (accessed December 23, 2013). See GAO, Private Health Insurance: The Range of Base Premiums in the Individual Market by State in January 2013, GAO-13-712R (Washington, D.C.: July 23, 2013). We reported the range of premiums for six categories of individuals, including 30-year-old nonsmoking and smoking males and females, a family of four, and a 55-year-old couple.
10 9 8

Insurance companies may offer multiple health insurance products in each state, and multiple health plans may be available for each product. For example, the same product may have plans with different cost sharing features. In addition, insurance companies can vary premiums on the basis of county or zip code, and each variation represents a different health plan in the Plan Finder. Therefore, in some states there can be a high number of plans available statewide.

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been denied coverage, for example because of pre-existing conditions. 11 The base premium amounts and supporting plan information were self-reported by each insurance company, and each company was required to comply with a data validation and attestation process. However, our analysis may not reflect the entire universe of insurers base premiums because roughly 20 percent of all insurance companies did not submit data. In addition, our analysis may include plans with little or no enrollment because enrollment data were not available at the plan level. 12 We calculated an annual premium based on monthly amounts submitted by insurers. We developed base premium ranges for each of the 50 states and the District of Columbia for different categories of consumers. Our state-wide premium ranges do not represent the range of base premiums that would have been displayed for all individuals in the state, because individuals search the Plan Finder on the basis of their zip codes and insurers may have offered some plans only in specific regions of a state. We also developed premium ranges for an urban and a rural zip code in four select statesIllinois, Nevada, Pennsylvania, and Texasto illustrate how base premiums can vary within randomly selected urban and rural locations. Although we selected zip codes within each state randomly, states were selected on the basis of geographic location and included one state from each of the four census regions. 13 To assess the reliability of these data for the purpose of our study, we: reviewed the requirements for the data validation and attestation process; reviewed documentation on the database that houses the information submitted to CCIIO, including the user manual and the business rules that govern how rates are rendered to consumers through the Plan Finder; and interviewed key CCIIO officials responsible for overseeing the submission and maintenance of the data. We determined that the 2013 data were sufficiently reliable for our purposes. We conducted our work from November 2013 to January 2014 in accordance with all sections of GAOs Quality Assurance Framework that are relevant to our objectives. The framework requires that we plan and perform the engagement to obtain sufficient and appropriate evidence to meet our stated objectives and to discuss any limitations in our work. We believe that the information and data obtained, and the analysis conducted, provide a reasonable basis for any findings and conclusions. The range of base premiums for 19- and 64-year-old individuals in the individual market that was displayed on the HealthCare.gov Plan Finder as of January 2013 in each of the 50 states and the District of Columbia is reported in enclosure I. Enclosure II shows the range of base premiums for the same categories of individuals for urban and rural zip codes in four states. Agency Comments The Department of Health and Human Services reviewed a draft of this report and provided technical comments, which we incorporated as appropriate.

For example, GAO previously reported that, based on national data from the first quarter of 2010, on average, 19 percent of applicants for individual insurance coverage were denied coverage. See GAO, Private Health Insurance: Data on Application and Coverage Denials, GAO-11-268 (Washington, D.C.: March 16, 2011).
12

11

HealthCare.gov data included enrollment information at the product level. However, multiple plans may be associated with a single product; therefore, plan-level enrollment data were not available. Urban and rural classifications were based on the Rural-Urban Commuting Area (RUCA) codes developed by the Department of Agricultures Economic Research Service, which are based on patterns of urbanization, population density, and daily commuting patterns.

13

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 As arranged with your office, unless you publicly announce its contents earlier, we plan no further distribution of this report until 30 days after its issue date. At that time we will send copies of this report to the Secretary of Health and Human Services and other interested parties. In addition, the report will be available at no charge on GAOs website at http://www.gao.gov. If you or your staff have any questions about this information, please contact me at (202) 512-7114 or dickenj@gao.gov. Contact points for our Offices of Congressional Relations and Public Affairs may be found on the last page of this report. Major contributors to this report were Gerardine Brennan, Assistant Director; Todd D. Anderson; George Bogart; Erin Henderson; and Laurie Pachter. Sincerely yours,

John E. Dicken Director, Health Care Enclosures 2

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Enclosure I

Base Premiums Prior to Underwriting in Each State, for Selected Consumers

Table 1: In Alabama, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 780 3,250 5,000 20 780 3,250 5,000 20 780 3,250 5,000 20 719 10,000 16,000 30 Plan with minimum premium Plan with median premium 512 plans available 1,226 5,000 9,500 30 512 plans available 1,516 5,000 9,500 30 512 plans available 1,532 5,000 6,000 30 512 plans available 1,840 5,000 6,000 30 4,036 2,000 6,000 20 3,331 2,000 6,000 20 3,318 2,000 6,000 20 2,683 2,000 6,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 2: In Alabama, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,340 3,250 5,000 20 2,340 3,250 5,000 20 2,340 3,250 5,000 20 2,340 3,250 5,000 20 Plan with minimum premium Plan with median premium 512 plans available 6,273 2,500 6,500 20 512 plans available 9,322 2,500 6,500 20 512 plans available 5,508 2,500 6,500 20 512 plans available 8,099 2,500 6,500 20 18,930 2,000 6,000 20 12,853 2,000 6,000 20 21,942 2,000 6,000 20 14,752 2,000 6,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 3: In Alaska, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,114 5,000 5,000 0 969 5,000 5,000 0 1,048 5,000 5,000 0 911 5,000 5,000 0 Plan with minimum premium Plan with median premium 178 plans available 1,635 1,500 5,150 20 178 plans available 1,872 5,000 7,000 20 178 plans available 1,734 5,000 7,000 20 178 plans available 1,995 5,000 7,000 20 4,128 1,000 4,000 20 4,128 1,000 4,000 20 4,128 1,000 4,000 20 4,128 1,000 4,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 4: In Alaska, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 5,576 5,000 5,000 0 4,849 5,000 5,000 0 5,822 5,000 5,000 0 5,062 5,000 5,000 0 Plan with minimum premium Plan with median premium 178 plans available 8,667 5,000 7,000 20 178 plans available 9,967 5,000 7,000 20 178 plans available 8,312 5,000 7,000 20 178 plans available 9,559 5,000 7,000 20 20,328 1,000 4,000 20 17,640 1,000 4,000 20 22,908 1,000 4,000 20 19,908 1,000 4,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 5: In Arizona, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 567 10,000 5,000 40 516 10,000 5,000 40 422 10,000 5,000 40 384 10,000 5,000 40 Plan with minimum premium Plan with median premium 736 plans available 892 2,000 6,000 20 736 plans available 1,069 5,000 8,000 20 736 plans available 1,142 7,500 10,500 20 736 plans available 1,341 2,000 6,000 20 10,378 3,900 5,900 20 8,364 3,500 3,500 30 7,612 3,900 5,900 20 6,643 3,900 5,900 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 6: In Arizona, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,136 10,000 3,000 30 1,716 10,000 5,000 40 2,568 10,000 3,000 30 1,896 10,000 5,000 40 Plan with minimum premium Plan with median premium 736 plans available 4,534 2,500 6,500 20 731 plans available 6,442 3,500 9,500 30 736 plans available 3,982 2,500 6,500 20 736 plans available 5,644 3,500 5,500 30 36,381 3,900 5,900 20 27,870 3,900 5,900 20 30,927 5,200 7,200 20 27,511 3,900 5,900 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 7: In Arkansas, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 479 25,000 25,000 0 479 25,000 25,000 0 301 25,000 25,000 0 301 25,000 25,000 0 Plan with minimum premium Plan with median premium 386 plans available 769 2,000 6,000 20 386 plans available 938 10,000 13,000 20 386 plans available 971 7,500 12,000 30 386 plans available 1,161 10,000 13,000 20 2,581 1,000 4,000 20 2,458 1,000 4,000 20 2,050 1,000 4,000 20 1,952 1,000 4,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 8: In Arkansas, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,811 25,000 25,000 0 1,811 25,000 25,000 0 1,923 25,000 25,000 0 1,923 25,000 25,000 0 Plan with minimum premium Plan with median premium 386 plans available 3,893 7,500 10,500 20 386 plans available 5,749 3,000 6,000 30 386 plans available 3,434 10,000 13,000 20 386 plans available 5,016 5,000 9,000 20 11,902 1,000 4,000 20 8,816 1,000 4,000 20 12,353 1,000 4,000 20 9,150 1,000 4,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 9: In California, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 672 6,500 9,500 50 672 6,500 9,500 50

Plan with median premium 617 plans available 1,704 1,000 2,000 30 617 plans available 1,920 5,000 0 0 617 plans available 1,704 1,000 2,000 30 617 plans available 1,920 5,000 0 0

Plan with maximum premium 11,664 2,000 3,000 N/A 11,664 2,000 3,000 N/A 11,664 2,000 3,000 N/A 11,664 2,000 3,000 N/A

672 6,500 9,500 50 672 6,500 9,500 50

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 10: In California, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 3,096 6,500 9,500 50 3,096 6,500 9,500 50 3,096 6,500 9,500 50 3,096 6,500 9,500 50

Plan with median premium 617 plans available 6,988 5,000 7,000 20 617 plans available 7,584 2,750 7,500 30 617 plans available 6,988 5,000 7,000 20 617 plans available 7,584 2,750 7,500 30

Plan with maximum premium 26,928 2,000 3,000 N/A 26,928 2,000 3,000 N/A 26,928 2,000 3,000 N/A 26,928 2,000 3,000 N/A

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 11: In Colorado, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 684 10,000 17,500 50 581 10,000 17,500 50 684 10,000 17,500 50 581 10,000 17,500 50 Plan with minimum premium Plan with median premium 2,571 plans available 1,930 2,000 3,750 30 2,571 plans available 2,241 3,250 3,250 0 2,571 plans available 1,930 2,000 3,750 30 2,571 plans available 2,241 3,250 3,250 0 10,898 500 3,000 20 9,908 500 3,000 20 10,898 500 3,000 20 9,908 500 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 12: In Colorado, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 2,111 10,000 17,500 50 3,276 7,500 11,000 50 2,111 10,000 17,500 50 3,276 7,500 11,000 50

Plan with median premium 2,567 plans available 7,145 10,000 3,000 20 2,567 plans available 9,396 N/A N/A 0 2,567 plans available 7,145 10,000 3,000 20 2,567 plans available 9,396 N/A N/A 0

Plan with maximum premium 24,739 500 3,000 20 39,583 500 3,000 20 24,739 500 3,000 20 39,583 500 3,000 20

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 13: In Connecticut, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 972 10,000 12,500 20 972 10,000 12,500 20 876 10,000 12,500 20 876 10,000 12,500 20 470 plans available 1,965 2,500 6,500 50 470 plans available 1,879 5,000 7,000 20 470 plans available 2,227 1,500 5,150 20 6,368 500 3,500 20 5,094 500 3,500 20 4,750 500 3,500 20 Plan with minimum premium Plan with median premium 470 plans available 1,662 1,000 10,000 0 3,800 500 3,500 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 14: In Connecticut, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,676 10,000 12,500 20 2,676 10,000 12,500 20 3,672 10,000 12,500 20 3,672 10,000 12,500 20 Plan with minimum premium Plan with median premium 470 plans available 8,482 2,500 4,500 20 470 plans available 9,755 2,500 4,500 20 470 plans available 7,844 2,600 5,000 20 470 plans available 9,356 2,500 4,500 20 19,605 500 3,500 20 16,122 1,000 3,000 20 21,025 500 3,500 20 16,820 500 3,500 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 15: In Delaware, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 678 10,000 3,000 20 565 10,000 3,000 20 123 plans available 1,596 7,500 12,000 30 3,279 2,000 6,000 20 660 10,000 3,000 20 550 10,000 3,000 20 Plan with minimum premium Plan with median premium 123 plans available 1,176 2,000 6,000 20 123 plans available 1,401 7,500 10,500 20 123 plans available 1,338 3,500 0 0 2,706 2,000 6,000 20 2,696 2,000 6,000 20 2,180 2,000 6,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 16: In Delaware, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 3,956 10,000 3,000 20 2,637 10,000 3,000 20 5,304 10,000 3,000 20 3,536 10,000 3,000 20 Plan with minimum premium Plan with median premium 123 plans available 6,420 2,400 4,400 20 123 plans available 9,385 2,500 6,500 20 123 plans available 5,164 3,000 6,000 30 123 plans available 7,591 5,000 9,500 30 15,379 2,000 6,000 20 10,442 2,000 6,000 20 20,928 1,250 600 30 13,952 1,250 600 30 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 17: In District of Columbia, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 961 10,000 17,500 50 614 10,000 17,500 50 961 10,000 17,500 50 614 10,000 17,500 50 Plan with minimum premium Plan with median premium 309 plans available 1,617 2,850 4,850 20 309 plans available 1,957 2,500 4,500 20 309 plans available 1,653 5,000 7,000 20 309 plans available 2,020 1,500 3,000 0 12,056 100 2,500 10 12,056 100 2,500 10 12,056 100 2,500 10 12,056 100 2,500 10 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 18: In District of Columbia, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,883 10,000 17,500 50 1,842 10,000 17,500 50 2,883 10,000 17,500 50 1,842 10,000 17,500 50 Plan with minimum premium Plan with median premium 309 plans available 7,715 2,500 4,500 20 309 plans available 8,872 2,500 4,500 20 309 plans available 7,428 2,500 4,500 20 309 plans available 8,542 2,500 4,500 20 36,120 100 2,500 10 36,120 100 2,500 10 36,120 100 2,500 10 36,120 100 2,500 10 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 19: In Florida, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 612 2,500 7,500 20 588 2,500 7,500 20 564 2,500 7,500 20 540 2,500 7,500 20 Plan with minimum premium Plan with median premium 7,669 plans available 1,248 2,500 15,000 30 7,669 plans available 1,512 3,500 7,000 20 7,669 plans available 1,812 500 4,000 20 7,669 plans available 2,128 1,000 10,000 0 7,524 1,000 3,000 20 6,580 500 3,000 20 7,063 1,000 3,000 20 6,141 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 20: In Florida, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,800 10,000 12,500 20 1,800 10,000 12,500 20 2,568 10,000 12,500 20 2,280 10,000 20,000 20 Plan with minimum premium Plan with median premium 7,669 plans available 5,496 250 2,500 10 7,669 plans available 6,768 10,000 0 0 7,669 plans available 5,916 2,500 15,000 30 7,669 plans available 7,104 3,500 3,500 0 36,054 1,000 3,000 20 31,352 1,000 3,000 20 37,591 1,000 3,000 20 32,688 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 21: In Georgia, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 450 10,000 17,500 40 383 10,000 17,500 40 422 10,000 5,000 30 363 10,000 17,500 40 Plan with minimum premium Plan with median premium 4,209 plans available 1,145 2,000 9,500 40 4,196 plans available 1,317 7,500 5,000 25 4,209 plans available 1,327 2,500 7,500 30 4,196 plans available 1,533 5,000 10,000 30 9,853 500 3,000 20 8,960 500 3,000 20 8,351 500 3,000 20 7,866 500 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 22: In Georgia, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,196 10,000 12,500 30 1,635 10,000 17,500 40 2,615 10,000 17,500 40 1,481 10,000 17,500 40 Plan with minimum premium Plan with median premium 4,209 plans available 5,168 6,000 6,000 0 4,196 plans available 7,717 3,500 7,000 20 4,209 plans available 4,943 4,000 4,000 0 4,196 plans available 7,397 5,000 3,000 30 30,748 500 3,000 20 20,529 1,000 2,500 20 31,964 1,000 2,500 20 22,832 1,000 2,500 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 23: In Hawaii, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 570 2,500 3,500 20 570 2,500 3,500 20 570 2,500 3,500 20 570 2,500 3,500 20

Plan with median premium 37 plans available 3,540 N/A 2,500 N/A 37 plans available 3,540 N/A 2,500 N/A 37 plans available 3,643 0 2,500 10 37 plans available 3,643 0 2,500 10

Plan with maximum premium 4,938 0 2,500 20 4,938 0 2,500 20 4,938 0 2,500 20 4,938 0 2,500 20

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 24: In Hawaii, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 1,428 2,500 3,500 20 1,428 2,500 3,500 20 1,428 2,500 3,500 20 1,428 2,500 3,500 20

Plan with median premium 36 plans available 11,729 N/A 2,500 N/A 36 plans available 11,729 N/A 2,500 N/A 36 plans available 11,602 300 3,000 20 36 plans available 11,602 300 3,000 20

Plan with maximum premium 17,279 0 2,500 20 17,279 0 2,500 20 17,279 0 2,500 20 17,279 0 2,500 20

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 25: In Idaho, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 718 10,000 4,000 30 660 10,000 12,500 40 245 plans available 1,603 10,000 13,500 50 4,344 2,850 2,850 0 613 5,000 2,000 20 552 5,000 2,000 20 Plan with minimum premium Plan with median premium 245 plans available 1,320 1,500 5,000 20 245 plans available 1,524 10,000 13,500 50 245 plans available 1,416 10,000 10,000 0 3,692 2,850 2,850 0 4,590 2,850 2,850 0 3,901 2,850 2,850 0 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 26: In Idaho, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,723 5,000 2,000 20 2,451 5,000 2,000 20 2,992 5,000 2,000 20 2,694 5,000 2,000 20 Plan with minimum premium Plan with median premium 245 plans available 5,916 10,000 12,000 50 245 plans available 8,136 2,500 8,000 30 245 plans available 5,772 3,500 5,000 20 245 plans available 8,023 10,000 17,500 30 27,446 2,850 2,850 0 15,552 2,850 2,850 0 25,822 2,850 2,850 0 14,632 2,850 2,850 0 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 27: In Illinois, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 684 7,500 22,500 0 646 10,000 16,000 30 535 7,500 22,500 0 485 10,000 16,000 30 Plan with minimum premium Plan with median premium 1,854 plans available 1,170 5,000 8,000 20 1,854 plans available 1,377 2,500 5,500 20 1,854 plans available 1,614 6,000 6,000 0 1,854 plans available 1,859 0 3,000 0 17,430 0 1,000 0 14,184 0 3,000 0 5,114 0 1,000 0 4,091 0 1,000 0 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 28: In Illinois, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,052 7,500 22,500 0 2,052 7,500 22,500 0 2,690 7,500 22,500 0 2,478 10,000 16,000 30 Plan with minimum premium Plan with median premium 1,854 plans available 5,916 2,000 6,000 0 1,854 plans available 7,464 3,000 6,000 20 1,854 plans available 5,313 2,000 6,000 20 1,854 plans available 6,564 500 2,000 0 29,667 0 1,000 0 23,733 0 1,000 0 26,515 0 1,000 0 21,212 0 1,000 0 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 29: In Indiana, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 476 N/A N/A 0 619 N/A N/A 0 587 N/A N/A 0 763 N/A N/A 0

Plan with median premium 2,278 plans available 1,474 1,500 5,150 20 2,278 plans available 1,768 3,500 7,000 30 2,278 plans available 1,775 1,500 3,500 30 2,278 plans available 2,204 2,500 6,000 50

Plan with maximum premium 4,290 1,000 3,000 20 4,841 1,000 3,000 20 7,515 500 2,500 20 8,393 500 2,500 20

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 30: In Indiana, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 2,666 N/A N/A 0 3,465 N/A N/A 0 2,108 N/A N/A 0 2,740 N/A N/A 0

Plan with median premium 2,278 plans available 6,628 5,000 7,000 20 2,278 plans available 8,195 N/A N/A 20 2,278 plans available 6,488 5,000 7,000 20 2,278 plans available 7,987 2,500 4,500 20

Plan with maximum premium 17,082 1,000 3,000 20 20,237 1,000 3,000 20 16,384 1,000 3,000 20 19,002 1,000 3,000 20

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 31: In Iowa, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 413 5,000 10,000 40 306 5,000 10,000 40 368 5,000 10,000 40 272 5,000 10,000 40 Plan with minimum premium Plan with median premium 1,404 plans available 1,174 2,500 4,500 20 1,404 plans available 1,357 1,500 4,500 30 1,404 plans available 1,251 2,500 4,500 20 1,404 plans available 1,455 2,600 2,600 0 3,154 1,000 3,000 20 2,743 1,000 3,000 20 2,961 1,000 3,000 20 2,575 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 32: In Iowa, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,724 5,000 10,000 40 1,277 5,000 10,000 40 1,907 5,000 10,000 40 1,412 5,000 10,000 40 Plan with minimum premium Plan with median premium 1,404 plans available 6,253 2,500 4,500 20 1,404 plans available 7,280 1,500 4,500 30 1,404 plans available 5,985 1,500 4,500 30 1,404 plans available 6,897 2,500 4,500 20 15,117 1,000 3,000 20 13,145 1,000 3,000 20 15,762 1,000 3,000 20 13,706 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 33: In Kansas, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 456 10,000 17,500 50 387 10,000 17,500 50 289 10,000 11,000 20 289 10,000 11,000 20 Plan with minimum premium Plan with median premium 1,727 plans available 1,343 1,000 10,000 0 1,727 plans available 1,573 3,000 3,000 0 1,727 plans available 1,466 2,850 4,850 20 1,727 plans available 1,732 2,850 5,350 50 10,416 2,500 5,000 20 10,416 2,500 5,000 20 9,684 2,500 5,000 20 9,684 2,500 5,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 34: In Kansas, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,448 10,000 11,000 20 1,382 10,000 15,000 20 1,666 10,000 11,000 20 1,453 10,000 17,500 50 Plan with minimum premium Plan with median premium 1,727 plans available 6,374 3,500 6,500 30 1,727 plans available 8,411 3,500 7,000 20 1,727 plans available 6,137 3,500 6,500 30 1,727 plans available 8,066 2,000 3,250 50 21,271 1,000 3,000 20 17,206 1,000 3,000 20 24,172 1,000 2,000 20 17,939 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 35: In Kentucky, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 395 10,000 17,500 50 464 10,000 17,500 50 417 10,000 17,500 50 490 10,000 17,500 50

Plan with median premium 2,222 plans available 1,167 N/A N/A 50 2,222 plans available 1,542 500 4,000 50 2,222 plans available 1,420 2,500 5,000 20 2,222 plans available 1,889 2,500 5,000 20

Plan with maximum premium 3,189 500 3,000 20 4,295 500 3,000 20 6,342 500 2,500 20 6,988 500 2,500 20

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 36: In Kentucky, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 1,619 10,000 17,500 50 2,276 7,500 12,500 30 1,784 10,000 17,500 50 2,418 7,500 12,500 30

Plan with median premium 2,222 plans available 4,294 1,000 4,500 30 2,222 plans available 6,455 N/A N/A 0 2,222 plans available 4,361 5,000 5,000 0 2,222 plans available 6,642 500 4,000 30

Plan with maximum premium 11,553 1,000 2,000 20 17,329 1,000 2,000 20 10,641 500 3,000 20 15,670 1,000 2,000 20

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 37: In Louisiana, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 515 5,000 1,000 20 468 5,000 1,000 20 365 5,000 1,000 20 332 5,000 1,000 20 Plan with minimum premium Plan with median premium 1,931 plans available 1,329 7,500 7,500 0 1,931 plans available 1,541 5,000 12,500 30 1,931 plans available 1,528 500 1,000 20 1,931 plans available 1,793 5,000 7,500 20 7,737 500 2,000 20 7,383 500 2,000 20 4,304 500 3,000 20 3,913 500 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 38: In Louisiana, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,773 5,000 1,000 20 1,446 5,000 1,000 20 2,067 5,000 1,000 20 1,689 5,000 1,000 20 Plan with minimum premium Plan with median premium 1,931 plans available 5,961 5,000 8,500 50 1,931 plans available 9,554 3,500 8,500 50 1,879 plans available 5,791 2,500 5,000 20 1,905 plans available 9,305 5,000 8,500 50 21,333 2,850 2,850 0 15,510 500 1,500 20 25,894 1,250 600 30 17,928 500 1,500 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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GAO-14-263R Range of Health Insurance Premiums in 2013

Enclosure I

Table 39: In Maine, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 1,287 12,000 14,000 20

Plan with median premium 11 plans available 9,286 N/A 2,000 0 11 plans available 9,286 N/A 2,000 0 11 plans available 9,286 N/A 2,000 0 11 plans available 9,286 N/A 2,000 0

Plan with maximum premium 20,582 N/A N/A 0 20,582 N/A N/A 0 20,582 N/A N/A 0 20,582 N/A N/A 0

1,287 12,000 14,000 20 1,287 12,000 14,000 20 1,287 12,000 14,000 20

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 40: In Maine, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 3,860 12,000 14,000 20

Plan with median premium 11 plans available 13,929 N/A 2,000 0 11 plans available 13,929 N/A 2,000 0 11 plans available 13,929 N/A 2,000 0 11 plans available 13,929 N/A 2,000 0

Plan with maximum premium 29,124 N/A N/A 0 29,124 N/A N/A 0 29,124 N/A N/A 0 29,124 N/A N/A 0

3,860 12,000 14,000 20 3,860 12,000 14,000 20 3,860 12,000 14,000 20

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 41: In Maryland, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 648 10,000 10,000 0 648 10,000 10,000 0 55 plans available 2,160 10,000 10,000 0 5,208 100 2,500 10 636 5,000 6,050 0 636 5,000 6,050 0 Plan with minimum premium Plan with median premium 55 plans available 1,680 2,500 4,000 20 55 plans available 1,680 2,500 4,000 20 55 plans available 2,160 10,000 10,000 0 5,208 100 2,500 10 5,208 100 2,500 10 5,208 100 2,500 10 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 42: In Maryland, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,908 10,000 10,000 20 1,908 10,000 10,000 20 1,908 10,000 10,000 20 55 plans available 6,060 2,500 5,000 30 55 plans available 6,060 2,500 5,000 30 17,556 100 2,500 10 17,556 100 2,500 10 1,908 10,000 10,000 20 55 plans available 6,624 2,700 3,200 0 17,556 100 2,500 10 Plan with minimum premium Plan with median premium 55 plans available 6,624 2,700 3,200 0 17,556 100 2,500 10 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 43: In Massachusetts, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 2,032 2,000 5,000 20

Plan with median premium 128 plans available 3,022 2,000 5,000 0 128 plans available 3,022 2,000 5,000 0 128 plans available 3,022 2,000 5,000 0 128 plans available 3,022 2,000 5,000 0

Plan with maximum premium 5,069 N/A No Maximum 0 5,069 N/A No Maximum 0 5,069 N/A No Maximum 0 5,069 N/A No Maximum 0

2,032 2,000 5,000 20 2,032 2,000 5,000 20 2,032 2,000 5,000 20

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state- wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 44: In Massachusetts, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 5,128 2,000 5,000 20

Plan with median premium 96 plans available 6,877 1,500 3,000 0 96 plans available 6,877 1,500 3,000 0 96 plans available 6,877 1,500 3,000 0 96 plans available 6,877 1,500 3,000 0

Plan with maximum premium 10,138 N/A No Maximum 0 10,138 N/A No Maximum 0 10,138 N/A No Maximum 0 10,138 N/A No Maximum 0

5,128 2,000 5,000 20 5,128 2,000 5,000 20 5,128 2,000 5,000 20

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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GAO-14-263R Range of Health Insurance Premiums in 2013

Enclosure I

Table 45: In Michigan, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 436 5,000 10,000 20 436 5,000 10,000 20 504 10,000 12,000 20 504 10,000 12,000 20

Plan with median premium 722 plans available 907 2,500 6,500 20 722 plans available 1,051 2,500 6,500 30 722 plans available 1,074 3,000 6,000 30 722 plans available 1,237 7,500 10,500 20

Plan with maximum premium 6,006 N/A 1,000 20 6,006 N/A 1,000 20 6,006 N/A 1,000 20 6,006 N/A 1,000 20

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 46: In Michigan, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,980 10,000 12,500 20 1,980 10,000 12,500 20 2,088 10,000 12,000 20 2,088 10,000 12,000 20 Plan with minimum premium Plan with median premium 734 plans available 4,390 4,000 6,000 20 734 plans available 5,765 10,000 13,000 20 734 plans available 3,885 5,000 9,500 30 734 plans available 5,113 10,000 13,000 20 15,374 1,500 5,000 20 13,356 1,500 4,000 20 16,663 1,500 5,000 20 13,356 1,500 4,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 47: In Minnesota, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 832 12,600 13,600 20 632 15,000 17,500 20 832 12,600 13,600 20 632 15,000 17,500 20 Plan with minimum premium Plan with median premium 1,098 plans available 1,438 5,000 7,000 50 1,098 plans available 1,903 4,000 4,000 0 1,098 plans available 1,438 5,000 7,000 50 1,098 plans available 1,903 4,000 4,000 0 9,235 150 1,650 20 6,926 150 1,650 20 9,235 150 1,650 20 6,926 150 1,650 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 48: In Minnesota, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,422 12,600 13,600 20 1,851 15,000 17,500 20 2,422 12,600 13,600 20 1,851 15,000 17,500 20 Plan with minimum premium Plan with median premium 1,098 plans available 4,182 4,000 4,000 0 1,098 plans available 5,580 10,000 12,000 50 1,098 plans available 4,182 4,000 4,000 0 1,098 plans available 5,580 10,000 12,000 50 27,052 150 1,650 20 20,289 150 1,650 20 27,052 150 1,650 20 20,289 150 1,650 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 49: In Mississippi, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 818 10,000 10,000 0 747 10,000 10,000 0 665 10,000 10,000 0 607 10,000 10,000 0 Plan with minimum premium Plan with median premium 578 plans available 1,394 2,000 6,000 20 578 plans available 1,624 5,000 8,000 20 578 plans available 1,674 2,500 6,500 20 578 plans available 1,954 5,000 8,500 20 8,117 500 3,000 20 7,381 500 3,000 20 6,149 500 3,000 20 5,593 500 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 50: In Mississippi, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 3,919 7,500 12,500 30 2,460 7,500 12,500 30 3,817 7,500 12,500 30 2,396 7,500 12,500 30 Plan with minimum premium Plan with median premium 578 plans available 6,377 5,000 8,000 20 578 plans available 9,809 2,500 7,500 30 578 plans available 5,968 5,000 7,500 20 578 plans available 8,974 2,000 6,000 20 27,959 500 3,000 20 17,485 500 3,000 20 29,394 500 3,000 20 18,382 500 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 51: In Missouri, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 293 10,000 11,000 20 293 10,000 11,000 20 536 N/A N/A 0 572 10,000 11,000 20

Plan with median premium 1,547 plans available 1,310 3,000 6,000 30 1,547 plans available 1,590 4,000 6,000 20 1,547 plans available 1,637 2,000 6,000 20 1,547 plans available 1,954 1,500 2,000 0

Plan with maximum premium 3,512 5,000 6,000 30 4,039 5,000 6,000 30 6,048 500 3,000 10 7,320 500 3,000 10

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 52: In Missouri, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,438 10,000 11,000 20 1,438 10,000 11,000 20 1,673 10,000 11,000 20 1,673 10,000 11,000 20 Plan with minimum premium Plan with median premium 1,547 plans available 5,909 4,000 6,000 20 1,547 plans available 7,186 500 5,500 30 1,547 plans available 5,709 2,500 2,500 0 1,547 plans available 6,942 1,500 3,000 10 21,483 5,000 6,000 30 18,681 5,000 6,000 30 22,429 5,000 6,000 30 19,503 5,000 6,000 30 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 53: In Montana, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 696 10,000 15,000 40 696 10,000 15,000 40 696 10,000 15,000 40 696 10,000 15,000 40 Plan with minimum premium Plan with median premium 176 plans available 1,284 3,500 8,500 50 176 plans available 1,508 5,000 8,500 20 176 plans available 1,284 3,500 8,500 50 176 plans available 1,508 5,000 8,500 20 4,337 2,850 2,850 0 3,686 2,850 2,850 0 4,337 2,850 2,850 0 3,686 2,850 2,850 0 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 54: In Montana, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,592 10,000 15,000 40 2,382 10,000 17,500 50 2,592 10,000 15,000 40 2,382 10,000 17,500 50 Plan with minimum premium Plan with median premium 176 plans available 4,194 3,500 8,500 50 176 plans available 7,193 5,000 7,000 50 176 plans available 4,194 3,500 8,500 50 176 plans available 7,193 5,000 7,000 50 21,036 2,850 2,850 0 11,920 2,850 2,850 0 21,036 2,850 2,850 0 11,920 2,850 2,850 0 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 55: In Nebraska, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 404 5,000 10,000 20 323 5,000 10,000 20 361 5,000 10,000 20 288 5,000 10,000 20 Plan with minimum premium Plan with median premium 1,071 plans available 1,507 1,500 4,500 30 1,071 plans available 1,780 5,000 5,000 0 1,071 plans available 1,684 1,500 4,500 20 1,071 plans available 2,001 3,500 3,500 0 5,086 1,000 3,000 20 4,028 1,000 3,000 20 3,967 1,000 3,000 20 3,449 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 56: In Nebraska, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,982 5,000 10,000 20 1,585 5,000 10,000 20 2,044 5,000 10,000 20 1,635 5,000 10,000 20 Plan with minimum premium Plan with median premium 1,071 plans available 7,939 1,500 4,500 30 1,071 plans available 9,474 5,000 5,000 0 1,071 plans available 7,643 1,500 4,500 30 1,071 plans available 9,029 10,000 3,000 20 20,252 1,000 3,000 20 17,610 1,000 3,000 20 21,115 1,000 3,000 20 18,361 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 57: In Nevada, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 490 2,000 4,000 50 408 2,000 4,000 50 382 2,000 4,000 50 209 plans available 1,539 6,000 8,000 20 192 plans available 1,777 4,000 4,000 0 14,535 1,500 4,500 30 10,763 1,500 4,500 30 318 2,000 4,000 50 192 plans available 1,452 3,000 3,000 0 9,622 1,500 4,500 30 Plan with minimum premium Plan with median premium 209 plans available 1,219 1,500 1,500 0 7,124 1,500 4,500 30 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 58: In Nevada, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,652 3,000 5,000 20 2,096 10,000 3,000 20 192 plans available 6,634 5,000 0 0 33,020 1,500 4,500 30 3,392 2,000 4,000 50 2,484 3,000 7,000 30 Plan with minimum premium Plan with median premium 209 plans available 6,399 3,000 600 30 192 plans available 8,076 2,500 5,000 20 209 plans available 5,237 3,000 0 0 24,461 1,500 4,500 30 36,540 1,500 4,500 30 27,065 1,500 4,500 30 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 59: In New Hampshire, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,225 10,000 17,500 50 833 10,000 17,500 50 1,225 10,000 17,500 50 833 10,000 17,500 50 Plan with minimum premium Plan with median premium 136 plans available 1,870 3,500 7,000 20 136 plans available 2,751 3,500 7,000 20 136 plans available 1,870 3,500 7,000 20 136 plans available 2,751 3,500 7,000 20 22,372 500 2,500 20 14,915 500 2,500 20 22,372 500 2,500 20 14,915 500 2,500 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 60: In New Hampshire, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 4,831 10,000 17,500 50 3,285 10,000 17,500 50 136 plans available 10,617 5,000 5,000 0 35,577 500 2,500 20 4,831 10,000 17,500 50 136 plans available 7,193 4,000 4,000 0 23,718 500 2,500 20 3,285 10,000 17,500 50 136 plans available 10,617 5,000 5,000 0 35,577 500 2,500 20 Plan with minimum premium Plan with median premium 136 plans available 7,193 4,000 4,000 0 23,718 500 2,500 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 61: In New Jersey, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 1,776 N/A N/A 0 1,776 N/A N/A 0 1,992 N/A N/A 0 1,992 N/A N/A 0

Plan with median premium 65 plans available 17,556 2,500 2,500 40 65 plans available 17,556 2,500 2,500 40 65 plans available 17,556 2,500 2,500 40 65 plans available 17,556 2,500 2,500 40

Plan with maximum premium 43,284 1,000 1,000 20 43,284 1,000 1,000 20 43,284 1,000 1,000 20 43,284 1,000 1,000 20

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 62: In New Jersey, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 5,304 N/A N/A 0 5,304 N/A N/A 0 5,040 N/A N/A 0 5,040 N/A N/A 0

Plan with median premium 65 plans available 17,556 2,500 2,500 40 65 plans available 17,556 2,500 2,500 40 65 plans available 17,556 2,500 2,500 40 65 plans available 17,556 2,500 2,500 40

Plan with maximum premium 43,284 1,000 1,000 20 43,284 1,000 1,000 20 43,284 1,000 1,000 20 43,284 1,000 1,000 20

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 63: In New Mexico, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 467 10,000 4,500 30 430 7,500 7,500 0 456 7,500 7,500 0 410 7,500 7,500 0 Plan with minimum premium Plan with median premium 828 plans available 1,301 2,500 4,500 20 828 plans available 1,462 3,500 3,000 15 828 plans available 1,301 2,500 4,500 20 828 plans available 1,496 2,500 4,500 20 3,280 1,500 1,500 0 2,852 1,500 1,500 0 3,280 1,500 1,500 0 2,852 1,500 1,500 0 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 64: In New Mexico, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,238 5,000 3,000 20 1,132 7,500 7,500 0 1,238 5,000 3,000 20 1,136 7,500 7,500 0 Plan with minimum premium Plan with median premium 828 plans available 3,934 3,500 3,000 15 828 plans available 4,481 5,000 3,000 15 828 plans available 3,934 3,500 3,000 15 828 plans available 4,461 1,200 2,500 20 9,982 1,500 1,500 0 8,680 1,500 1,500 0 9,982 1,500 1,500 0 8,680 1,500 1,500 0 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 65: In New York, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 1,986 N/A No Maximum 0

Plan with median premium 120 plans available 5,750 No Maximum No Maximum 0 120 plans available 5,750 No Maximum No Maximum 0 120 plans available 5,750 No Maximum No Maximum 0 120 plans available 5,750 No Maximum No Maximum 0

Plan with maximum premium 24,324 N/A N/A 0 24,324 N/A N/A 0 24,324 N/A N/A 0 24,324 N/A N/A 0

1,986 N/A No Maximum 0 1,986 N/A No Maximum 0 1,986 N/A No Maximum 0

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 66: In New York, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 1,986 N/A No Maximum 0

Plan with median premium 120 plans available 5,750 No Maximum No Maximum 0 120 plans available 5,750 No Maximum No Maximum 0 120 plans available 5,750 No Maximum No Maximum 0 120 plans available 5,750 No Maximum No Maximum 0

Plan with maximum premium 24,324 N/A N/A 0 24,324 N/A N/A 0 24,324 N/A N/A 0 24,324 N/A N/A 0

1,986 N/A No Maximum 0 1,986 N/A No Maximum 0 1,986 N/A No Maximum 0

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 67: In North Carolina, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 632 10,000 17,500 50 537 10,000 17,500 50 595 10,000 17,500 50 505 10,000 17,500 50 Plan with minimum premium Plan with median premium 2,062 plans available 1,368 1,500 5,000 0 2,062 plans available 1,617 2,000 7,000 50 2,062 plans available 1,495 2,850 5,350 50 2,062 plans available 1,767 2,600 5,000 20 9,919 3,000 5,000 20 7,585 3,000 5,000 20 7,431 3,000 5,000 20 6,618 3,000 5,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 68: In North Carolina, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,112 10,000 12,500 30 2,112 10,000 12,500 30 3,024 10,000 12,500 30 2,043 10,000 17,500 50 Plan with minimum premium Plan with median premium 2,062 plans available 6,263 3,500 5,500 20 2,062 plans available 8,746 3,500 11,000 50 2,062 plans available 6,159 5,000 5,000 0 2,062 plans available 8,700 1,000 5,000 0 36,659 3,000 5,000 20 27,787 3,000 5,000 20 37,283 3,000 5,000 20 27,707 3,000 5,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 69: In North Dakota, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 490 7,500 10,000 30 490 7,500 10,000 30 490 7,500 10,000 30 490 7,500 10,000 30 Plan with minimum premium Plan with median premium 250 plans available 1,233 2,850 5,350 50 250 plans available 1,342 3,500 11,000 30 250 plans available 1,233 2,850 5,350 50 250 plans available 1,342 3,500 11,000 30 3,271 250 2,000 20 3,271 250 2,000 20 3,271 250 2,000 20 3,271 250 2,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 70: In North Dakota, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,064 7,500 10,000 30 2,064 7,500 10,000 30 248 plans available 6,430 5,000 12,500 30 13,562 2,850 2,850 0 2,064 7,500 10,000 30 2,064 7,500 10,000 30 248 plans available 6,430 5,000 12,500 30 248 plans available 4,329 3,650 3,650 0 8,745 250 2,000 20 13,562 2,850 2,850 0 Plan with minimum premium Plan with median premium 248 plans available 4,329 3,650 3,650 0 8,745 250 2,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 71: In Ohio, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)
Legend: N/A=Not applicable (value was not reported by the insurer)
Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Plan with minimum premium 444 7,500 7,500 0 444 7,500 7,500 0 552 7,500 7,500 0 552 7,500 7,500 0

Plan with median premium 2,440 plans available 1,368 N/A N/A 0 2,440 plans available 1,646 10,000 10,000 0 2,440 plans available 1,609 5,000 5,000 0 2,440 plans available 1,973 2,600 2,600 0

Plan with maximum premium 6,872 750 3,750 20 6,872 750 3,750 20 8,044 750 3,750 20 8,044 750 3,750 20

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 72: In Ohio, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Plan with minimum premium 2,207 N/A N/A 0 2,268 7,500 7,500 0 2,148 7,500 7,500 0 2,148 7,500 7,500 0 Plan with median premium 2,440 plans available 6,364 1,500 4,500 20 2,440 plans available 7,860 2,500 4,500 20 2,440 plans available 6,264 500 4,000 30 2,440 plans available 7,650 500 4,000 50 28,919 750 3,750 20 28,919 750 3,750 20 30,759 750 3,750 20 30,759 750 3,750 20 Plan with maximum premium

Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent)

Legend: N/A=Not applicable (value was not reported by the insurer)

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 73: In Oklahoma, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 732 10,000 No Maximum 30 612 10,000 No Maximum 30 600 10,000 No Maximum 30 504 10,000 No Maximum 30 Plan with minimum premium Plan with median premium 1,101 plans available 1,528 2,500 4,500 20 1,087 plans available 1,800 2,500 5,000 20 1,101 plans available 1,718 1,000 10,000 0 1,087 plans available 2,033 5,000 5,000 0 10,404 200 1,000 20 8,760 200 1,000 20 5,191 1,000 3,000 20 4,584 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 74: In Oklahoma, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,868 5,000 12,500 20 2,616 10,000 No Maximum 30 3,636 10,000 No Maximum 30 3,060 10,000 No Maximum 30 Plan with minimum premium Plan with median premium 1,101 plans available 7,959 2,600 5,000 20 1,087 plans available 9,559 2,600 5,000 20 1,101 plans available 7,624 2,600 5,000 20 1,087 plans available 9,104 1,500 4,500 30 21,561 1,500 1,500 0 17,098 1,000 3,000 20 23,544 200 1,000 20 19,812 200 1,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 75: In Oregon, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 432 10,000 7,500 30 432 10,000 7,500 30 432 10,000 7,500 30 432 10,000 7,500 30 Plan with minimum premium Plan with median premium 725 plans available 1,325 3,500 11,000 30 131 plans available 1,140 2,500 7,500 30 725 plans available 1,325 3,500 11,000 30 131 plans available 1,140 2,500 7,500 30 2,832 1,000 5,000 20 2,832 1,000 5,000 20 2,832 1,000 5,000 20 2,832 1,000 5,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 76: In Oregon, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,956 10,000 15,000 40 1,956 10,000 15,000 40 1,956 10,000 15,000 40 1,956 10,000 15,000 40 Plan with minimum premium Plan with median premium 725 plans available 4,928 5,000 6,250 50 131 plans available 5,472 3,500 5,000 20 725 plans available 4,928 5,000 6,250 50 131 plans available 5,472 3,500 5,000 20 11,964 1,000 5,000 20 11,964 1,000 5,000 20 11,964 1,000 5,000 20 11,964 1,000 5,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 77: In Pennsylvania, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 597 5,000 1,050 0 597 5,000 1,050 0 535 5,000 10,000 20 535 5,000 10,000 20 Plan with minimum premium Plan with median premium 2,128 plans available 1,512 5,000 5,000 0 2,114 plans available 1,726 5,000 6,000 20 2,128 plans available 1,746 2,500 3,500 20 2,114 plans available 1,896 2,000 No Maximum 0 9,105 1,500 5,500 20 9,105 1,500 5,500 20 9,105 1,500 5,500 20 9,105 1,500 5,500 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 78: In Pennsylvania, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,761 0 0 0 1,761 0 0 0 1,761 0 0 0 1,761 0 0 0 Plan with minimum premium Plan with median premium 2,128 plans available 7,763 5,000 6,000 20 2,114 plans available 8,711 10,000 10,000 0 2,128 plans available 7,280 10,000 10,000 0 2,114 plans available 8,293 10,000 10,000 0 27,075 500 1,500 15 27,075 500 1,500 15 29,045 500 1,500 15 29,045 500 1,500 15 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 79: In Rhode Island, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 3,023 2,500 7,500 50 1,609 2,500 7,500 50 6 plans available 4,866 2,500 7,500 20 6,172 1,000 3,000 20 3,023 2,500 7,500 50 6 plans available 2,591 2,500 7,500 20 3,286 1,000 3,000 20 1,151 2,500 7,500 50 6 plans available 4,866 2,500 7,500 20 6,172 1,000 3,000 20 Plan with minimum premium Plan with median premium 6 plans available 1,853 2,500 7,500 20 2,350 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 80: In Rhode Island, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 4,535 2,500 7,500 50 3,725 2,500 7,500 50 6 plans available 7,300 2,500 7,500 20 9,258 1,000 3,000 20 4,535 2,500 7,500 50 6 plans available 5,996 2,500 7,500 20 7,605 1,000 3,000 20 3,725 2,500 7,500 50 6 plans available 7,300 2,500 7,500 20 9,258 1,000 3,000 20 Plan with minimum premium Plan with median premium 6 plans available 5,996 2,500 7,500 20 7,605 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 81: In South Carolina, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 674 10,000 3,000 30 674 10,000 3,000 30 546 10,000 3,000 30 546 10,000 3,000 30 Plan with minimum premium Plan with median premium 1,103 plans available 1,584 5,000 5,000 0 1,103 plans available 1,728 2,500 12,500 20 1,103 plans available 1,905 3,500 3,500 0 1,103 plans available 2,063 5,000 7,000 20 7,331 1,000 3,000 20 5,800 1,000 3,000 20 5,425 1,000 3,000 20 4,782 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 82: In South Carolina, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,376 10,000 12,500 20 2,376 10,000 12,500 20 2,338 250 5,000 20 2,338 250 5,000 20 Plan with minimum premium Plan with median premium 1,103 plans available 8,556 5,000 5,000 20 1,103 plans available 10,714 2,000 1,500 20 1,103 plans available 7,699 4,000 4,000 0 1,103 plans available 9,667 5,000 5,000 0 24,784 1,000 3,000 20 21,552 1,000 3,000 20 25,841 1,000 3,000 20 22,471 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 83: In South Dakota, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 426 5,000 10,000 40 355 5,000 10,000 40 380 5,000 10,000 40 316 5,000 10,000 40 Plan with minimum premium Plan with median premium 626 plans available 1,946 3,500 11,000 30 626 plans available 2,290 3,500 11,000 30 626 plans available 2,148 2,500 4,500 20 626 plans available 2,471 2,500 4,500 20 7,162 500 1,500 10 6,511 500 1,500 10 4,651 1,000 3,000 20 4,044 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 84: In South Dakota, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,808 5,000 10,000 40 1,507 5,000 10,000 40 1,808 5,000 10,000 40 1,507 5,000 10,000 40 Plan with minimum premium Plan with median premium 626 plans available 9,144 2,500 4,500 20 626 plans available 11,734 1,500 4,500 30 626 plans available 9,144 2,500 4,500 20 626 plans available 11,922 7,500 15,000 30 24,007 2,850 2,850 0 20,224 1,000 3,000 20 23,258 1,000 3,000 20 20,224 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 85: In Tennessee, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 749 7,500 10,500 20 599 7,500 10,500 20 587 7,500 10,500 20 469 7,500 10,500 20 Plan with minimum premium Plan with median premium 1,161 plans available 1,505 1,500 6,500 30 1,161 plans available 1,750 1,500 1,500 0 1,161 plans available 1,735 5,000 7,500 20 1,161 plans available 2,012 3,500 3,500 0 7,236 3,000 5,000 20 5,512 3,000 5,000 20 5,389 3,000 5,000 20 4,790 3,000 5,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 86: In Tennessee, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,629 7,500 10,500 20 1,752 7,500 10,500 20 2,804 7,500 10,500 20 1,869 7,500 10,500 20 Plan with minimum premium Plan with median premium 1,161 plans available 7,320 3,000 4,000 20 1,161 plans available 9,259 2,500 4,500 20 1,161 plans available 6,924 1,000 10,000 0 1,161 plans available 8,866 1,000 10,000 0 26,324 3,000 5,000 20 20,433 1,000 3,000 20 26,610 3,000 5,000 20 21,304 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 87: In Texas, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 456 10,000 17,500 50 387 10,000 17,500 50 427 10,000 17,500 50 363 10,000 17,500 50 Plan with minimum premium Plan with median premium 5,422 plans available 1,203 3,500 11,000 30 5,422 plans available 1,439 2,000 9,500 30 5,422 plans available 1,433 5,000 9,000 20 5,422 plans available 1,693 7,500 13,500 30 7,285 500 3,000 20 6,625 500 3,000 20 5,266 500 3,000 20 4,790 500 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 88: In Texas, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,760 10,000 12,500 30 1,616 10,000 17,500 50 2,584 10,000 17,500 50 1,464 10,000 17,500 50 Plan with minimum premium Plan with median premium 5,422 plans available 5,624 3,500 7,000 20 5,422 plans available 8,653 3,500 11,000 30 5,422 plans available 5,288 6,000 6,000 0 5,422 plans available 8,052 3,500 3,500 0 25,644 250 3,000 15 20,508 250 3,000 15 30,456 250 3,000 15 24,372 250 3,000 15 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 89: In Utah, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 359 10,000 5,000 35 359 10,000 5,000 35 359 10,000 5,000 35 359 10,000 5,000 35 Plan with minimum premium Plan with median premium 524 plans available 1,140 5,000 7,500 20 524 plans available 1,203 3,500 7,000 20 524 plans available 1,174 3,500 6,000 20 524 plans available 1,232 3,500 6,000 20 4,398 1,200 3,600 20 4,398 1,200 3,600 20 3,383 1,200 3,600 20 3,383 1,200 3,600 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 90: In Utah, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,529 10,000 5,000 35 1,529 10,000 5,000 35 1,529 10,000 5,000 35 1,529 10,000 5,000 35 Plan with minimum premium Plan with median premium 524 plans available 4,700 2,500 7,500 30 524 plans available 5,223 3,500 6,000 20 524 plans available 4,745 2,500 7,500 30 524 plans available 5,223 3,500 6,000 20 16,073 2,000 5,500 20 12,686 1,200 3,600 20 16,746 1,200 3,600 20 16,746 1,200 3,600 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 91: In Vermont, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 657 100,000 No Maximum 30 657 100,000 No Maximum 30 5 plans available 2,462 10,000 No Maximum 30 3,462 3,500 No Maximum 30 657 100,000 No Maximum 30 5 plans available 2,462 10,000 No Maximum 30 3,462 3,500 No Maximum 30 657 100,000 No Maximum 30 5 plans available 2,462 10,000 No Maximum 30 3,462 3,500 No Maximum 30 Plan with minimum premium Plan with median premium 5 plans available 2,462 10,000 No Maximum 30 3,462 3,500 No Maximum 30 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 92: In Vermont, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 985 100,000 No Maximum 30 985 100,000 No Maximum 30 5 plans available 3,693 10,000 No Maximum 30 5,193 3,500 No Maximum 30 985 100,000 No Maximum 30 5 plans available 3,693 10,000 No Maximum 30 5,193 3,500 No Maximum 30 985 100,000 No Maximum 30 5 plans available 3,693 10,000 No Maximum 30 5,193 3,500 No Maximum 30 Plan with minimum premium Plan with median premium 5 plans available 3,693 10,000 No Maximum 30 5,193 3,500 No Maximum 30 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 93: In Virginia, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 576 7,500 11,000 50 456 7,500 11,000 50 492 7,500 11,000 50 396 7,500 11,000 50 Plan with minimum premium Plan with median premium 711 plans available 1,234 750 2,500 30 711 plans available 1,416 5,000 7,000 20 711 plans available 1,465 5,000 7,000 20 711 plans available 1,760 5,000 5,000 0 11,580 750 5,000 20 11,580 750 5,000 20 11,580 750 5,000 20 11,580 750 5,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 94: In Virginia, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,560 7,500 11,000 50 1,248 7,500 11,000 50 711 plans available 6,381 5,200 5,200 0 48,372 100 2,500 10 2,004 7,500 11,000 50 711 plans available 4,979 2,500 2,500 0 48,372 100 2,500 10 1,608 7,500 11,000 50 711 plans available 8,052 2,500 5,000 0 48,372 100 2,500 10 Plan with minimum premium Plan with median premium 711 plans available 6,240 2,500 2,500 0 48,372 100 2,500 10 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure I

Table 95: In Washington, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,080 10,000 7,500 30 936 10,000 7,500 30 1,080 10,000 7,500 30 936 10,000 7,500 30 Plan with minimum premium Plan with median premium 69 plans available 1,488 3,500 8,500 25 69 plans available 1,776 2,500 8,000 40 69 plans available 1,488 3,500 8,500 25 69 plans available 1,776 2,500 8,000 40 4,524 1,800 8,300 35 3,900 1,800 8,300 35 4,524 1,800 8,300 35 3,900 1,800 8,300 35 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 96: In Washington, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 3,960 10,000 7,500 30 3,444 10,000 7,500 30 3,960 10,000 7,500 30 3,444 10,000 7,500 30 Plan with minimum premium Plan with median premium 69 plans available 5,484 2,500 7,500 30 69 plans available 6,420 3,500 5,000 20 69 plans available 5,484 2,500 7,500 30 69 plans available 6,420 3,500 5,000 20 15,588 1,800 8,300 35 13,416 1,800 8,300 35 15,588 1,800 8,300 35 13,416 1,800 8,300 35 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 97: In West Virginia, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 636 10,000 17,500 50 541 10,000 17,500 50 601 10,000 17,500 50 511 10,000 17,500 50 Plan with minimum premium Plan with median premium 1,766 plans available 1,369 3,000 3,000 0 1,766 plans available 1,575 5,000 5,000 0 1,766 plans available 1,430 2,850 4,850 20 1,766 plans available 1,646 3,500 5,500 50 6,144 2,500 5,000 20 5,963 2,500 5,000 20 5,960 2,500 5,000 20 5,796 2,500 5,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 98: In West Virginia, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 4,057 10,000 17,500 50 2,299 10,000 17,500 50 3,682 10,000 17,500 50 2,086 10,000 17,500 50 Plan with minimum premium Plan with median premium 1,766 plans available 6,474 1,000 10,000 0 1,766 plans available 8,800 2,500 4,500 20 1,766 plans available 6,135 2,500 5,000 20 1,766 plans available 8,478 2,000 9,500 50 19,994 2,850 2,850 0 16,265 1,000 3,000 20 19,502 1,000 3,000 20 16,958 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 99: In Wisconsin, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 557 3,500 4,500 20 436 10,000 10,000 0 490 3,500 4,500 20 415 10,000 10,000 0 Plan with minimum premium Plan with median premium 18,151 plans available 1,193 2,500 3,500 0 18,151 plans available 1,602 2,500 3,500 0 18,151 plans available 1,470 2,000 4,000 20 18,151 plans available 1,949 2,500 3,500 0 6,996 2,500 2,500 0 4,956 2,500 2,500 0 5,310 500 3,000 20 3,763 500 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 100: In Wisconsin, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 2,131 10,000 20,000 50 1,639 10,000 20,000 50 2,676 10,000 20,000 50 2,059 10,000 20,000 50 Plan with minimum premium Plan with median premium 18,259 plans available 5,972 2,500 3,500 0 18,259 plans available 10,704 2,500 5,500 0 18,259 plans available 4,895 2,500 2,500 0 18,259 plans available 8,765 2,500 5,500 0 20,125 500 3,000 20 17,098 1,000 3,000 20 20,502 1,000 3,000 20 17,827 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 101: In Wyoming, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 19, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 1,160 5,000 3,000 20 967 5,000 3,000 20 528 plans available 2,248 1,000 10,000 0 4,272 1,000 3,000 20 1,114 7,500 10,500 30 528 plans available 1,955 1,000 10,000 0 3,714 1,000 3,000 20 915 20,000 20,000 0 528 plans available 2,080 2,600 2,600 0 4,010 1,000 3,000 20 Plan with minimum premium Plan with median premium 528 plans available 1,809 2,600 2,600 0 3,487 1,000 3,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 102: In Wyoming, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market for Individuals, Age 64, Displayed on the HealthCare.gov Plan Finder in January 2013 Consumer type Single male, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium amount (dollars) Annual deductible (dollars) Out-of-pocket maximum (dollars) Coinsurance (percent) 4,540 20,000 20,000 0 3,642 20,000 20,000 0 4,998 20,000 20,000 0 528 plans available 9,338 1,500 4,500 20 528 plans available 10,768 2,000 2,000 20 20,471 1,000 3,000 20 17,801 1,000 3,000 20 4,006 20,000 20,000 0 Plan with minimum premium Plan with median premium 528 plans available 9,812 500 2,000 20 528 plans available 11,553 2,600 2,600 0 28,545 1,000 2,000 20 19,030 1,000 2,000 20 Plan with maximum premium

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. The number of plans available state-wide may not reflect the total number of plans available to all individuals in the state, as insurers may offer some plans only in specific regions of a state. A single insurer may offer several plans within a state, and these plans may vary in the base premium or in the plan details, such as network and cost-sharing options. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure II

Base Premiums Prior to Underwriting for Urban and Rural Zip Codes for Selected States and Consumer Categories

Table 103: In Illinois, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market in One Urban and One Rural Zip Code for Individuals, Age 19, Displayed on the HealthCare.gov Plan finder in January 2013 Urban Zip 60610 Chicago, IL Plan with minimum premium 628 10,000 16,000 30 770 10,000 16,000 30 836 10,000 16,000 30 994 10,000 16,000 30 Plan with median premium 1,441 2,500 1,000 20 1,801 2,500 1,000 20 2,227 500 3,000 20 2,783 500 3,000 20 Plan with maximum premium 4,091 0 1,000 0 5,114 0 1,000 0 13,944 0 1,000 0 17,430 0 1,000 0 Rural Zip 60945 Iroquois, IL Plan with minimum premium 564 7,500 22,500 0 564 7,500 22,500 0 663 5,000 3,000 20 720 7,500 22,500 0 Plan with median premium 1,296 2,000 6,000 0 1,430 1,250 4,250 20 1,920 3,000 N/A 0 2,031 250 3,000 20 Plan with maximum premium 3,030 0 1,000 0 3,788 0 1,000 0 14,184 0 3,000 0 14,184 0 3,000 0

Consumer type Single male, nonsmoker, age 19 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent)

194 plans available

434 plans available

194 plans available

434 plans available

194 plans available

434 plans available

194 plans available

434 plans available

Legend: N/A=Not applicable (value was not reported by the insurer)

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. Urban and rural classifications were based on the Rural-Urban Commuting Area (RUCA) codes developed by the Department of Agricultures Economic Research Service which are based on patterns of urbanization, population density, and daily commuting patterns. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure II

Table 104: In Illinois, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market in One Urban and One Rural Zip Code for Individuals, Age 64, Displayed on the HealthCare.gov Plan finder in January 2013 Urban Zip 60610 Chicago, IL Plan with minimum premium 3,210 10,000 16,000 30 4,739 10,000 16,000 30 2,884 10,000 16,000 30 4,015 5,000 3,000 20 Plan with median premium 7,471 2,500 1,000 20 9,652 1,000 3,000 20 6,910 2,500 3,000 20 8,941 3,000 6,000 30 Plan with maximum premium 21,212 0 1,000 0 26,515 0 1,000 0 23,733 0 1,000 0 29,667 0 1,000 0 Rural Zip 60945 Iroquois, IL Plan with minimum premium 2,832 7,500 22,500 0 2,832 7,500 22,500 0 2,160 7,500 22,500 0 2,160 7,500 22,500 0 Plan with median premium 6,516 1,250 4,250 0 7,247 1,750 3,000 20 5,697 1,250 4,250 0 6,289 500 2,000 0 Plan with maximum premium 15,711 0 1,000 0 19,639 0 1,000 0 17,579 0 1,000 0 21,974 0 1,000 0

Consumer type Single male, nonsmoker, age 64 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent)

194 plans available

434 plans available

194 plans available

434 plans available

194 plans available

434 plans available

194 plans available

434 plans available

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. Urban and rural classifications were based on the Rural-Urban Commuting Area (RUCA) codes developed by the Department of Agricultures Economic Research Service which are based on patterns of urbanization, population density, and daily commuting patterns. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 105: In Nevada, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market in One Urban and One Rural Zip Code for Individuals, Age 19, Displayed on the HealthCare.gov Plan finder in January 2013 Urban Zip 89002 Henderson, NV Plan with minimum premium 318 2,000 4,000 50 382 2,000 4,000 50 408 2,000 4,000 50 490 2,000 4,000 50 Plan with median premium 1,055 500 5,000 0 1,266 500 5,000 0 1,234 3,000 3,000 0 1,459 N/A 0 0 Plan with maximum premium 5,410 1,500 4,500 30 7,307 1,500 4,500 30 8,181 1,500 4,500 30 11,049 1,500 4,500 30 Rural Zip 89444 Wellington, NV Plan with minimum premium 456 10,000 3,000 20 549 10,000 3,000 20 471 10,000 3,000 20 568 10,000 3,000 20 Plan with median premium 1,168 5,000 7,000 20 1,346 5,000 0 0 1,306 4,000 4,000 0 1,479 2,500 0 0 Plan with maximum premium 5,895 1,500 4,500 30 7,962 1,500 4,500 30 8,922 1,500 4,500 30 12,050 1,500 4,500 30

Consumer type Single male, nonsmoker, age 19 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent)

122 plans available

90 plans available

113 plans available

82 plans available

122 plans available

90 plans available

113 plans available

82 plans available

Legend: N/A=Not applicable (value was not reported by the insurer)

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. Urban and rural classifications were based on the Rural-Urban Commuting Area (RUCA) codes developed by the Department of Agricultures Economic Research Service which are based on patterns of urbanization, population density, and daily commuting patterns. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 106: In Nevada, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market in One Urban and One Rural Zip Code for Individuals, Age 64, Displayed on the HealthCare.gov Plan finder in January 2013 Urban Zip 89002 Henderson, NV Plan with minimum premium 2,484 3,000 7,000 30 3,392 2,000 4,000 50 2,096 10,000 3,000 20 2,696 2,000 4,000 50 Plan with median premium 6,373 2,500 5,000 30 8,230 4,000 4,000 0 4,797 2,500 3,000 20 6,541 4,000 4,000 0 Plan with maximum premium 20,592 1,500 4,500 30 27,801 1,500 4,500 30 18,666 1,500 4,500 30 25,197 1,500 4,500 30 Rural Zip 89444 Wellington, NV Plan with minimum premium 2,816 10,000 3,000 20 4,239 10,000 3,000 20 2,096 10,000 3,000 20 3,155 10,000 3,000 20 Plan with median premium 6,415 5,000 0 0 8,701 2,500 4,500 20 4,720 3,500 3,000 20 6,417 5,000 7,000 20 Plan with maximum premium 21,946 1,500 4,500 30 29,629 1,500 4,500 30 19,971 1,500 4,500 30 26,959 1,500 4,500 30

Consumer type Single male, nonsmoker, age 64 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent)

122 plans available

90 plans available

113 plans available

82 plans available

122 plans available

90 plans available

113 plans available

82 plans available

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. Urban and rural classifications were based on the Rural-Urban Commuting Area (RUCA) codes developed by the Department of Agricultures Economic Research Service which are based on patterns of urbanization, population density, and daily commuting patterns. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Table 107: In Pennsylvania, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market in One Urban and One Rural Zip Code for Individuals, Age 19, Displayed on the HealthCare.gov Plan finder in January 2013 Urban Zip 15028 Coulters, PA Plan with minimum premium 557 5,000 10,000 15 641 5,000 10,000 15 688 5,000 10,000 15 691 5,000 1,050 0 Plan with median premium 1,306 2,000 3,000 10 1,481 2,500 4,500 20 1,441 1,200 2,200 10 1,652 2,600 2,600 0 Plan with maximum premium 9,105 1,500 5,500 20 9,105 1,500 5,500 20 9,105 1,500 5,500 20 9,105 1,500 5,500 20 Rural Zip 17212 Big Cove Ta, PA Plan with minimum premium 535 5,000 10,000 20 535 5,000 10,000 20 769 5,000 10,000 20 769 5,000 10,000 20 Plan with median premium 1,409 5,000 6,000 20 1,608 1,500 5,000 30 1,662 1,500 2,250 15 1,821 0 0 0 Plan with maximum premium 9,081 1,000 3,000 20 9,081 1,000 3,000 20 9,081 1,000 3,000 20 9,081 1,000 3,000 20

Consumer type Single male, nonsmoker, age 19 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent)

86 plans available

96 plans available

86 plans available

96 plans available

86 plans available

96 plans available

86 plans available

96 plans available

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. Urban and rural classifications were based on the Rural-Urban Commuting Area (RUCA) codes developed by the Department of Agricultures Economic Research Service which are based on patterns of urbanization, population density, and daily commuting patterns. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure II

Table 108: In Pennsylvania, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market in One Urban and One Rural Zip Code for Individuals, Age 64, Displayed on the HealthCare.gov Plan finder in January 2013 Urban Zip 15028 Coulters, PA Plan with minimum premium 2,140 0 N/A 0 2,140 0 N/A 0 2,140 0 N/A 0 2,140 0 N/A 0 Plan with median premium 6,783 2,500 4,500 20 7,467 1,000 3,500 20 5,930 500 1,750 10 6,408 1,500 5,000 30 Plan with maximum premium 18,859 1,000 2,000 20 21,688 1,000 2,000 20 18,155 1,000 2,000 20 20,879 1,000 2,000 20 Rural Zip 17212 Big Cove Ta, PA Plan with minimum premium 1,821 0 0 0 1,821 0 0 0 1,821 0 0 0 1,821 0 0 0 Plan with median premium 6,707 5,000 6,000 20 7,210 2,500 6,000 20 6,005 2,000 3,000 10 6,591 10,000 10,000 0 Plan with maximum premium 29,045 500 1,500 15 29,045 500 1,500 15 27,075 500 1,500 15 27,075 500 1,500 15

Consumer type Single male, nonsmoker, age 64 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent)

86 plans available

96 plans available

86 plans available

96 plans available

86 plans available

96 plans available

86 plans available

96 plans available

Legend: N/A=Not applicable (value was not reported by the insurer)

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. Urban and rural classifications were based on the Rural-Urban Commuting Area (RUCA) codes developed by the Department of Agricultures Economic Research Service which are based on patterns of urbanization, population density, and daily commuting patterns. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure II

Table 109: In Texas, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market in One Urban and One Rural Zip Code for Individuals, Age 19, Displayed on the HealthCare.gov Plan finder in January 2013 Urban Zip 75248 Dallas, TX Plan with minimum premium 566 10,000 17,500 50 666 10,000 17,500 50 605 10,000 17,500 50 711 10,000 17,500 50 Plan with median premium 1,285 2,000 7,000 50 1,518 5,000 5,000 0 1,532 5,000 11,000 30 1,817 5,000 6,000 30 Plan with maximum premium 3,957 500 3,000 20 4,350 500 3,000 20 5,465 500 3,000 20 6,008 500 3,000 20 Rural Zip 79506 Blackwell, TX Plan with minimum premium 624 10,000 3,000 25 728 10,000 5,000 0 697 10,000 17,500 50 820 10,000 17,500 50 Plan with median premium 1,255 7,500 7,500 0 1,500 3,000 3,000 0 1,512 1,500 5,000 30 1,806 5,000 5,000 0 Plan with maximum premium 3,403 500 3,000 20 3,756 250 3,000 15 4,704 500 3,000 20 5,172 500 3,000 20

Consumer type Single male, nonsmoker, age 19 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 19 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 19 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 19 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent)

228 plans available

229 plans available

228 plans available

229 plans available

228 plans available

229 plans available

228 plans available

229 plans available

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. Urban and rural classifications were based on the Rural-Urban Commuting Area (RUCA) codes developed by the Department of Agricultures Economic Research Service which are based on patterns of urbanization, population density, and daily commuting patterns. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

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Enclosure II

Table 110: In Texas, the Range of Annual Base Premiums Prior to Underwriting in the Individual (Nongroup) Market in One Urban and One Rural Zip Code for Individuals, Age 64, Displayed on the HealthCare.gov Plan finder in January 2013 Urban Zip 75248 Dallas, TX Plan with minimum premium 2,284 10,000 17,500 50 4,030 10,000 17,500 50 2,521 10,000 17,500 50 3,624 10,000 12,500 30 Plan with median premium 6,206 3,500 6,000 20 9,120 5,000 5,000 20 5,648 5,000 6,000 30 8,458 3,500 7,000 50 Plan with maximum premium 21,972 250 3,000 15 27,468 250 3,000 15 18,492 250 3,000 15 23,124 250 3,000 15 Rural Zip 79506 Blackwell, TX Plan with minimum premium 2,632 10,000 17,500 50 4,225 7,500 10,000 30 2,612 7,500 10,000 30 4,161 7,500 10,000 30 Plan with median premium 6,115 1,500 6,500 30 9,124 3,500 9,500 30 5,648 5,000 6,000 30 8,192 6,000 6,000 0 Plan with maximum premium 19,368 250 3,000 15 24,216 250 3,000 15 16,296 250 3,000 15 20,376 250 3,000 15

Consumer type Single male, nonsmoker, age 64 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single male, smoker, age 64 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single female, nonsmoker, age 64 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent) Single female, smoker, age 64 Premium Amount (dollars) Annual deductible (dollars) Out-of-Pocket maximum (dollars) Coinsurance (percent)

228 plans available

229 plans available

228 plans available

229 plans available

228 plans available

229 plans available

228 plans available

229 plans available

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data.

Notes: Because insurers can impose different premiums on individuals on the basis of a variety of factors, the data represent the base premium amount, rather than the actual premium amount an individual would be charged. Actual premiums could be higher because they would be determined after more complete underwriting for health conditions and other individual factors. Urban and rural classifications were based on the Rural-Urban Commuting Area (RUCA) codes developed by the Department of Agricultures Economic Research Service which are based on patterns of urbanization, population density, and daily commuting patterns. Data reflect available information for all plans for which data were displayed on HealthCare.gov as of January 2013 and may include plans with little or no enrollment.

(291182)

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