This is the accessible text file for GAO report number GAO-13-712R 
entitled 'Private Health Insurance: The Range of Base Premiums in the 
Individual Market by State in January 2013' which was released on July 
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GAO-13-712R: 

GAO:
United States Government Accountability Office: 
441 G St. N.W. 
Washington, DC 20548: 

July 26, 2013: 

The Honorable Orrin G. Hatch: 
Ranking Member: 
Committee on Finance: 
United States Senate: 

Subject: Private Health Insurance: The Range of Base Premiums in the 
Individual Market by State in January 2013: 

Dear Senator Hatch: 

Millions of Americans obtain health coverage by purchasing private 
health insurance,[Footnote 1] including over 11 million individuals 
who purchased individual market plans in 2011.[Footnote 2] These 
Americans may be purchasing individual health insurance for a variety 
of reasons, including being self-employed or a small business owner, 
or because their own employer does not offer insurance. Currently, in 
most states, under applicable law, individual health insurance market 
premium rates may vary on the basis of age, gender, health status, and 
other factors. In addition, states vary in their specific requirements 
for what insurers can consider in underwriting, which is the process 
of assessing the health status of the insurance applicant and setting 
the premium according to the health risk of that individual.[Footnote 
3] With certain exceptions, when individuals purchasing coverage in 
the individual market undergo underwriting, they can have their 
coverage denied, offered at a higher-than-average premium, or offered 
with a rider that excludes coverage of a preexisting condition. 
[Footnote 4] The Center for Consumer Information and Insurance 
Oversight (CCIIO) within the Department of Health and Human Services 
(HHS) Centers for Medicare & Medicaid Services (CMS) currently 
maintains an online portal--the HealthCare.gov Plan Finder--that 
displays insurers' base premiums prior to underwriting to assist 
consumers in comparing health insurance coverage options in the 
individual market.[Footnote 5] 

The Patient Protection and Affordable Care Act (PPACA) included a 
number of provisions that could affect private health insurance 
requirements and the resulting cost of individual health insurance 
premiums. For example, insurers will no longer be able to use gender 
and health status to set premium rates and will be restricted in the 
amount they can vary premiums based on age and tobacco use, among 
other provisions.[Footnote 6] PPACA also included an individual 
mandate that will require most individuals to have health insurance. 
[Footnote 7] While some of the PPACA provisions have been implemented, 
others will not take effect until January 2014. As a result, beginning 
in 2014, the way insurers may calculate base premiums prior to 
underwriting may change.[Footnote 8] You asked us to examine premium 
amounts that existed prior to the full implementation of the PPACA 
provisions. This report examines the range of base premiums for health 
insurance in the individual market that were displayed on the 
HealthCare.gov Plan Finder in the month of January 2013. 

To examine the range of base premiums displayed on the HealthCare.gov 
Plan Finder, we analyzed data maintained by CCIIO. The data included 
insurers' base premiums for health plans that were publicly available 
to consumers through the Plan Finder in the month of January 
2013.[Footnote 9] 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.[Footnote 10] Because insurers may impose 
different rates on 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, which could 
be higher than the base rates because the actual premium amounts would 
have been determined after more complete underwriting for health 
conditions and other factors. 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 types 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 
states--Illinois, Nevada, Pennsylvania, and Texas--to illustrate how 
base premiums can vary within randomly selected urban and rural 
locations. While 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.[Footnote 11] 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 March 2013 to July 2013 in accordance with 
all sections of GAO's 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 in the individual market displayed on the 
HealthCare.gov Plan Finder as of January 2013 in each of the 50 states 
and the District of Columbia are 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: 

We provided the Department of Health and Human Services (HHS) with a 
draft of this report for review; 
it had no comments. 

We are sending 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 GAO's website at [hyperlink, 
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, 

Signed by: 

John E. Dicken: 
Director, Health Care: 

Enclosures - 2: 

[End of section] 

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 Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
512 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $849; 
Plan with median premium: $1,435; 
Plan with maximum premium: $3,228. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $2,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $16,000; 
Plan with median premium: $12,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
512 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $948; 
Plan with median premium: $1,808; 
Plan with maximum premium: $4,085. 

Annual deductible (dollars); 
Plan with minimum premium: $3,250; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
512 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $948; 
Plan with median premium: $1,961; 
Plan with maximum premium: $4,341. 

Annual deductible (dollars); 
Plan with minimum premium: $3,250; 
Plan with median premium: $6,000; 
Plan with maximum premium: $2,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 
Plan with minimum premium: $20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
512 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $948; 
Plan with median premium: $2,415; 
Plan with maximum premium: $5,407. 

Annual deductible (dollars); 
Plan with minimum premium: $3,250; 
Plan with median premium: $4,000; 
Plan with maximum premium: $2,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
512 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,120; 
Plan with median premium: $6,691; 
Plan with maximum premium: $14,388. 

Family annual deductible (dollars); 
Plan with minimum premium: $6,450; 
Plan with median premium: $22,500; 
Plan with maximum premium: $6,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $31,500; 
Plan with maximum premium: $18,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
512 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $4,452; 
Plan with median premium: $7,551; 
Plan with maximum premium: $17,378. 

Family annual deductible (dollars); 
Plan with minimum premium: $6,450; 
Plan with median premium: $12,000; 
Plan with maximum premium: $6,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $18,000; 
Plan with maximum premium: $18,000. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 2: In Alaska, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
178 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,027; 
Plan with median premium: 1,835; 
Plan with maximum premium: 3,972. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $7,000; 
Plan with maximum premium: $4,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
178 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,181; 
Plan with median premium: $2,110; 
Plan with maximum premium: $4,584. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $7,000; 
Plan with maximum premium: $4,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
178 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,242; 
Plan with median premium: $2,229; 
Plan with maximum premium: $6,792. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $1,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $5,150; 
Plan with maximum premium: $4,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
178 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,429; 
Plan with median premium: $2,564; 
Plan with maximum premium: $7,824. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $1,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $5,150; 
Plan with maximum premium: $4,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
175 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $4,723; 
Plan with median premium: $8,681; 
Plan with maximum premium: $32,304. 

Family annual deductible (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $15,000; 
Plan with maximum premium: $2,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $21,000; 
Plan with maximum premium: $4,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
175 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $6,176; 
Plan with median premium: $10,681; 
Plan with maximum premium: $31,812. 

Family annual deductible (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $15,000; 
Plan with maximum premium: $2,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $21,000; 
Plan with maximum premium: $4,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 3: In Arizona, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
736 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $456; 
Plan with median premium: $1,046; 
Plan with maximum premium: $6,815. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,900. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $9,500; 
Plan with maximum premium: $5,900. 

Coinsurance (percent); 

Plan with minimum premium: 40%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
736 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $501; 
Plan with median premium: $1,267; 
Plan with maximum premium: $9,490. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,900. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $5,900. 

Coinsurance (percent); 

Plan with minimum premium: 40%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
736 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $624; 
Plan with median premium: $1,424; 
Plan with maximum premium: $9,708. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $3,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $6,500; 
Plan with maximum premium: $3,500. 

Coinsurance (percent); 

Plan with minimum premium: 40%; 
Plan with median premium: 20%; 
Plan with maximum premium: 30%. 

Single female, smoker, age 30; 
736 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $686; 
Plan with median premium: $1,716; 
Plan with maximum premium: $13,840. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $4,000; 
Plan with maximum premium: $3,900. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: No Maximum; 
Plan with maximum premium: $5,900. 

Coinsurance (percent); 

Plan with minimum premium: 40%; 
Plan with median premium: 0%; 

Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
480 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $2,691; 
Plan with median premium: $4,408; 
Plan with maximum premium: $10,115. 

Family annual deductible (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $6,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $48,000; 
Plan with median premium: $18,000; 
Plan with maximum premium: $18,000. 

Coinsurance (percent); 

Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
736 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $2,496; 
Plan with median premium: $5,578; 
Plan with maximum premium: $41,559. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $22,500; 
Plan with maximum premium: $11,700. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $31,500; 
Plan with maximum premium: No Maximum. 

Coinsurance (percent); 

Plan with minimum premium: 40%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 4: In Arkansas, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
386 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $437; 
Plan with median premium: $899; 
Plan with maximum premium: $2,201. 

Annual deductible (dollars); 

Plan with minimum premium: $25,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $25,000; 
Plan with median premium: $9,000; 
Plan with maximum premium: $4,000. 

Coinsurance (percent); 

Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
386 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $437; 
Plan with median premium: $1,132; 
Plan with maximum premium: $2,531. 

Annual deductible (dollars); 

Plan with minimum premium: $25,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $25,000; 
Plan with median premium: $12,000; 
Plan with maximum premium: $4,000. 

Coinsurance (percent); 

Plan with minimum premium: 0%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
386 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $681; 
Plan with median premium: $1,240; 
Plan with maximum premium: $2,971. 

Annual deductible (dollars); 

Plan with minimum premium: $25,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $25,000; 
Plan with median premium: $9,000; 
Plan with maximum premium: $4,000. 

Coinsurance (percent); 

Plan with minimum premium: $0%; 
Plan with median premium: $20%; 
Plan with maximum premium: $20%. 

Consumer type: Single female, smoker, age 30; 
386 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $681; 
Plan with median premium: $1,505; 
Plan with maximum premium: $3,417. 

Annual deductible (dollars); 

Plan with minimum premium: $25,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $25,000; 
Plan with median premium: $9,000; 
Plan with maximum premium: $4,000. 

Coinsurance (percent); 

Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
369 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $2,278; 
Plan with median premium: $4,256; 
Plan with maximum premium: $7,449. 

Family annual deductible (dollars); 
Plan with minimum premium: $50,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $6,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $50,000; 
Plan with median premium: $18,000; 
Plan with maximum premium: $18,000. 

Coinsurance (percent); 

Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
386 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $578; 
Plan with median premium: $4,630; 
Plan with maximum premium: $8,997. 

Family annual deductible (dollars); 
Plan with minimum premium: $15,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $6,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $33,000; 
Plan with median premium: $33,000; 
Plan with maximum premium: $18,000. 

Coinsurance (percent); 

Plan with minimum premium: 30%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 5: In California, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
617 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $672; 
Plan with median premium: $2,232; 
Plan with maximum premium: $13,836. 

Annual deductible (dollars); 

Plan with minimum premium: $6,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $2,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $9,500; 
Plan with median premium: $7,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 25%; 
Plan with maximum premium: N/A. 

Consumer type: Single male, smoker, age 30; 
617 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $672; 
Plan with median premium: $2,472; 
Plan with maximum premium: $13,836. 

Annual deductible (dollars); 

Plan with minimum premium: $6,500; 
Plan with median premium: $3,400; 
Plan with maximum premium: $2,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $9,500; 
Plan with median premium: $3,400; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 0%; 

Plan with maximum premium: N/A. 

Consumer type: Single female, nonsmoker, age 30; 
617 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $672; 
Plan with median premium: $2,232; 
Plan with maximum premium: $13,836. 

Annual deductible (dollars); 

Plan with minimum premium: $6,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $2,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $9,500; 
Plan with median premium: $7,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 25%; 
Plan with maximum premium: N/A. 

Consumer type: Single female, smoker, age 30; 
617 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $672; 
Plan with median premium: $2,472; 
Plan with maximum premium: $13,836. 

Annual deductible (dollars); 

Plan with minimum premium: 6,500; 
Plan with median premium: 3,400; 
Plan with maximum premium: 2,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $9,500; 
Plan with median premium: $3,400; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 0%; 

Plan with maximum premium: N/A. 

Consumer type: Family of four, parents age 40; 
314 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $2,832; 
Plan with median premium: $8,841; 
Plan with maximum premium: $43,632. 

Family annual deductible (dollars); 
Plan with minimum premium: $13,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $4,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $19,000; 
Plan with median premium: $21,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: N/A. 

Consumer type: Couple, age 55; 
599 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $2,880; 
Plan with median premium: $10,020; 
Plan with maximum premium: $36,780. 

Family annual deductible (dollars); 
Plan with minimum premium: $13,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $4,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $19,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 25%; 
Plan with maximum premium: N/A. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 6: In Colorado, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
2,571 plans available. 

m: $Premium amount (dollars); 

Plan with minimum premium: $673; 
Plan with median premium: $2,424; 
Plan with maximum premium: $11,439. 

m: $Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,950; 
Plan with maximum premium: $500. 

m: $Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $5,950; 
Plan with maximum premium: $3,000. 

m: $Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 0%; 

Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
2,571 plans available. 

m: $Premium amount (dollars); 

Plan with minimum premium: $918; 
Plan with median premium: $2,935; 
Plan with maximum premium: $13,270. 

m: $Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $500. 

m: $Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $3,000; 
Plan with maximum premium: $3,000. 

m: $Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
2,571 plans available. 

m: $Premium amount (dollars); 

Plan with minimum premium: $673; 
Plan with median premium: $2,424; 
Plan with maximum premium: $11,439. 

m: $Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,950; 
Plan with maximum premium: $500. 

m: $Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $5,950; 
Plan with maximum premium: $3,000. 

m: $Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 0%; 

Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
2,571 plans available. 

m: $Premium amount (dollars); 

Plan with minimum premium: $918; 
Plan with median premium: $2,935; 
Plan with maximum premium: $13,270. 

m: $Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $500. 

m: $Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $3,000; 
Plan with maximum premium: $3,000. 

m: $Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
1,266 plans available. 

m: $Premium amount (dollars); 

Plan with minimum premium: $2,394; 
Plan with median premium: $7,573; 
Plan with maximum premium: $19,684. 

m: $Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: N/A; 
Plan with maximum premium: $3,000. 

m: $Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: N/A; 
Plan with maximum premium: $9,000. 

m: $Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
1,930 plans available. 

m: $Premium amount (dollars); 

Plan with minimum premium: $2,981; 
Plan with median premium: $9,528; 
Plan with maximum premium: $36,826. 

m: $Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $7,000; 
Plan with maximum premium: $1,500. 

m: $Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $14,000; 
Plan with maximum premium: $6,500. 

m: $Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 7: In Connecticut, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
470 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $936; 
Plan with median premium: $1,910; 
Plan with maximum premium: $4,511. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $4,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $12,500; 
Plan with median premium: $4,000; 
Plan with maximum premium: $3,500. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 0%; 

Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
470 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $936; 
Plan with median premium: $2,265; 
Plan with maximum premium: $5,639. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $12,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,500. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 0%; 

Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
469 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $1,188; 
Plan with median premium: $2,381; 
Plan with maximum premium: $5,075. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $12,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,500. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 0%; 

Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
470 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $1,188; 
Plan with median premium: $2,763; 
Plan with maximum premium: $6,907. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $12,500; 
Plan with median premium: $7,000; 
Plan with maximum premium: $3,500. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
412 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $4,980; 
Plan with median premium: $9,404; 
Plan with maximum premium: $22,719. 

Family annual deductible (dollars); 
Plan with minimum premium: $24,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $1,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $24,000; 
Plan with median premium: $21,000; 
Plan with maximum premium: $7,000. 

Coinsurance (percent); 

Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
470 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $4,068; 
Plan with median premium: $10,454; 
Plan with maximum premium: $24,037. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $1,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $25,000; 
Plan with median premium: $13,500; 
Plan with maximum premium: $7,000. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 8: In Delaware, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
123 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $623; 
Plan with median premium: $1,379; 
Plan with maximum premium: $2,648. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $3,000; 
Plan with median premium: $0; 

Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 0%; 

Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
123 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $747; 
Plan with median premium: $1,661; 
Plan with maximum premium: $3,318. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $2,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $3,000; 
Plan with median premium: $10,500; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
123 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $826; 
Plan with median premium: $1,735; 
Plan with maximum premium: $3,527. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $2,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $3,000; 
Plan with median premium: $9,500; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
123 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $991; 
Plan with median premium: $2,097; 
Plan with maximum premium: $4,393. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $3,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
78 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $4,022; 
Plan with median premium: $6,275; 
Plan with maximum premium: $11,689. 

Family annual deductible (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: $22,500; 
Plan with maximum premium: $6,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $48,000; 
Plan with median premium: $31,500; 
Plan with maximum premium: $18,000. 

Coinsurance (percent); 

Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
116 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $3,391; 
Plan with median premium: $7,246; 
Plan with maximum premium: $14,797. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $2,000; 
Plan with maximum premium: $2,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $3,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 9: In District of Columbia, the Range of Annual Base Premiums 
Prior to Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
309 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $643; 
Plan with median premium: $1,749; 
Plan with maximum premium: $12,056. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $100. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $7,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 10%. 

Consumer type: Single male, smoker, age 30; 
309 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $1,006; 
Plan with median premium: $2,112; 
Plan with maximum premium: $12,056. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $100. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $7,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 50%; 
Plan with maximum premium: 10%. 

Consumer type: Single female, nonsmoker, age 30; 
309 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $643; 
Plan with median premium: $2,112; 
Plan with maximum premium: $12,056. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $2,600; 
Plan with maximum premium: $100. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 10%. 

Consumer type: Single female, smoker, age 30; 
309 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $1,006; 
Plan with median premium: $2,518; 
Plan with maximum premium: $12,056. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $1,500; 
Plan with maximum premium: $100. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $4,500; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 30%; 
Plan with maximum premium: 10%. 

Consumer type: Family of four, parents age 40; 
309 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $2,338; 
Plan with median premium: $7,656; 
Plan with maximum premium: $43,952. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: N/A; 
Plan with maximum premium: $200. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 0%; 

Plan with maximum premium: 10%. 

Consumer type: Couple, age 55; 
309 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $2,642; 
Plan with median premium: $9,593; 
Plan with maximum premium: $57,412. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $30,000; 
Plan with maximum premium: $200. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $30,000; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 

Plan with minimum premium: 50%; 
Plan with median premium: 0%; 

Plan with maximum premium: 10%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 10: In Florida, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
7,669 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $624; 
Plan with median premium: $1,704; 
Plan with maximum premium: $6,921. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $2,600; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $12,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
7,669 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $624; 
Plan with median premium: $2,088; 
Plan with maximum premium: $7,959. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $12,500; 
Plan with median premium: $7,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
7,669 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $792; 
Plan with median premium: $2,547; 
Plan with maximum premium: $8,367. 

Annual deductible (dollars); 

Plan with minimum premium: $2,500; 
Plan with median premium: $1,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $5,150; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
7,669 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $828; 
Plan with median premium: $3,024; 
Plan with maximum premium: $9,623. 

Annual deductible (dollars); 

Plan with minimum premium: $2,500; 
Plan with median premium: $1,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $6,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 25%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
1,140 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $3,984; 
Plan with median premium: $9,826; 
Plan with maximum premium: $32,744. 

Family annual deductible (dollars); 
Plan with minimum premium: $22,500; 
Plan with median premium: $7,500; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $31,500; 
Plan with median premium: $7,500; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 

Plan with minimum premium: 30%; 
Plan with median premium: 0%; 

Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
6,877 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $2,868; 
Plan with median premium: $8,364; 
Plan with maximum premium: $40,287. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $25,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 0%; 

Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 11: In Georgia, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
4,209 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $363; 
Plan with median premium: $1,293; 
Plan with maximum premium: $8,526. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $7,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 40%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
4,196 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $495; 
Plan with median premium: $1,573; 
Plan with maximum premium: $9,142. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $8,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 40%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
4,209 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $467; 
Plan with median premium: $1,712; 
Plan with maximum premium: $10,164. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $11,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 40%; 
Plan with median premium: 40%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
4,196 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $638; 
Plan with median premium: $2,065; 
Plan with maximum premium: $11,458. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 40%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
1,973 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $1,869; 
Plan with median premium: $5,386; 
Plan with maximum premium: $26,671. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $4,000; 
Plan with maximum premium: $1,500. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $19,000; 
Plan with maximum premium: $7,000. 

Coinsurance (percent); 

Plan with minimum premium: 40%; 
Plan with median premium: 40%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
4,161 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $2,252; 
Plan with median premium: $6,975; 
Plan with maximum premium: $32,137. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $1,500. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $7,000. 

Coinsurance (percent); 

Plan with minimum premium: 40%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 12: In Hawaii, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
34 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $770; 
Plan with median premium: $5,175; 
Plan with maximum premium: $7,339. 

Annual deductible (dollars); 

Plan with minimum premium: N/A; 
Plan with median premium: $0; 

Plan with maximum premium: $0. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 

Plan with minimum premium: N/A; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
34 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $770; 
Plan with median premium: $5,175; 
Plan with maximum premium: $7,339. 

Annual deductible (dollars); 

Plan with minimum premium: N/A; 
Plan with median premium: $0; 

Plan with maximum premium: $0. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 

Plan with minimum premium: N/A; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
34 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $864; 
Plan with median premium: $5,296; 
Plan with maximum premium: $7,339. 

Annual deductible (dollars); 

Plan with minimum premium: $2,500; 
Plan with median premium: $0; 

Plan with maximum premium: $0. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $3,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
34 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $864; 
Plan with median premium: $5,296; 
Plan with maximum premium: $7,339. 

Annual deductible (dollars); 

Plan with minimum premium: $2,500; 
Plan with median premium: $0; 

Plan with maximum premium: $0. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $3,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
29 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $2,592; 
Plan with median premium: $17,485; 
Plan with maximum premium: $23,088. 

Family annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $0; 

Plan with maximum premium: $0. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $7,500. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 10%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
31 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $2,862; 
Plan with median premium: $20,804; 
Plan with maximum premium: $29,009. 

Family annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $0; 

Plan with maximum premium: $0. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $7,500. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 13: In Idaho, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
245 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $702; 
Plan with median premium: $1,466; 
Plan with maximum premium: $3,922. 

Annual deductible (dollars); 

Plan with minimum premium: $5,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,850. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $2,000; 
Plan with median premium: $8,500; 
Plan with maximum premium: $2,850. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 50%; 
Plan with maximum premium: 0%. 

Consumer type: Single male, smoker, age 30; 
245 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $738; 
Plan with median premium: $1,768; 
Plan with maximum premium: $5,352. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $2,850. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $4,000; 
Plan with median premium: $13,500; 
Plan with maximum premium: $2,850. 

Coinsurance (percent); 

Plan with minimum premium: 30%; 
Plan with median premium: 50%; 
Plan with maximum premium: 0%. 

Consumer type: Single female, nonsmoker, age 30; 
245 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $936; 
Plan with median premium: $1,966; 
Plan with maximum premium: $4,657. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,850. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $12,500; 
Plan with median premium: $10,000; 
Plan with maximum premium: $2,850. 

Coinsurance (percent); 

Plan with minimum premium: 40%; 
Plan with median premium: 50%; 
Plan with maximum premium: 0%. 

Consumer type: Single female, smoker, age 30; 
245 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $996; 
Plan with median premium: $2,347; 
Plan with maximum premium: $6,355. 

Annual deductible (dollars); 

Plan with minimum premium: $7,500; 
Plan with median premium: $10,000; 
Plan with maximum premium: $2,850. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $2,850. 

Coinsurance (percent); 

Plan with minimum premium: 20%; 
Plan with median premium: 0%; 

Plan with maximum premium: 0%. 

Consumer type: Family of four, parents age 40; 
207 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $3,192; 
Plan with median premium: $7,170; 
Plan with maximum premium: $16,073. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $5,700. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $25,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $5,700. 

Coinsurance (percent); 

Plan with minimum premium: 40%; 
Plan with median premium: 10%; 
Plan with maximum premium: 0%. 

Consumer type: Couple, age 55; 
245 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $3,600; 
Plan with median premium: $8,444; 
Plan with maximum premium: $19,656. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $7,000; 
Plan with maximum premium: $5,700. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $25,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $5,700. 

Coinsurance (percent); 

Plan with minimum premium: 40%; 
Plan with median premium: 20%; 
Plan with maximum premium: 0%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 14: In Illinois, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
1,854 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $573; 
Plan with median premium: $1,451; 
Plan with maximum premium: $5,632. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $0. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $16,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $1,000. 

Coinsurance (percent); 

Plan with minimum premium: 30%; 
Plan with median premium: 0%; 

Plan with maximum premium: 0%. 

Consumer type: Single male, smoker, age 30; 
1,854 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $661; 
Plan with median premium: $1,722; 
Plan with maximum premium: $7,040. 

Annual deductible (dollars); 

Plan with minimum premium: $7,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $0. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $22,500; 
Plan with median premium: $7,000; 
Plan with maximum premium: $1,000. 

Coinsurance (percent); 

Plan with minimum premium: 0%; 
Plan with median premium: 30%; 
Plan with maximum premium: 0%. 

Consumer type: Single female, nonsmoker, age 30; 
1,854 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $816; 
Plan with median premium: $2,170; 
Plan with maximum premium: $14,578. 

Annual deductible (dollars); 

Plan with minimum premium: $10,000; 
Plan with median premium: $4,000; 
Plan with maximum premium: $0. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $16,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $1,000. 

Coinsurance (percent); 

Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 0%. 

Consumer type: Single female, smoker, age 30; 
1,854 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $900; 
Plan with median premium: $2,518; 
Plan with maximum premium: $18,223. 

Annual deductible (dollars); 

Plan with minimum premium: $7,500; 
Plan with median premium: $2,000; 
Plan with maximum premium: $0. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $22,500; 
Plan with median premium: $6,000; 
Plan with maximum premium: $1,000. 

Coinsurance (percent); 

Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 0%. 

Consumer type: Family of four, parents age 40; 
1,262 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $2,694; 
Plan with median premium: $6,224; 
Plan with maximum premium: $31,536. 

Family annual deductible (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: $18,000; 
Plan with maximum premium: $0. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $48,000; 
Plan with median premium: $18,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 30%; 
Plan with median premium: 0%; 

Plan with maximum premium: 0%. 

Consumer type: Couple, age 55; 
1,374 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $3,028; 
Plan with median premium: $7,519; 
Plan with maximum premium: $37,790. 

Family annual deductible (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: $18,000; 
Plan with maximum premium: $0. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $48,000; 
Plan with median premium: $18,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 30%; 
Plan with median premium: 0%; 

Plan with maximum premium: 0%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 15: In Indiana, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
2,278 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $513; 
Plan with median premium: $1,593; 
Plan with maximum premium: $4,422. 

Annual deductible (dollars); 

Plan with minimum premium: N/A; 
Plan with median premium: $1,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 0%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
2,278 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $667; 
Plan with median premium: $1,957; 
Plan with maximum premium: $5,542. 

Annual deductible (dollars); 

Plan with minimum premium: N/A; 
Plan with median premium: $1,000; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $4,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 

Plan with minimum premium: 0%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
2,278 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $746; 
Plan with median premium: $2,156; 
Plan with maximum premium: $8,662. 

Annual deductible (dollars); 

Plan with minimum premium: N/A; 
Plan with median premium: $6,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $8,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 

Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
2,278 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $970; 
Plan with median premium: $2,719; 
Plan with maximum premium: $9,844. 

Annual deductible (dollars); 

Plan with minimum premium: N/A; 
Plan with median premium: $6,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $8,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 

Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
760 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $3,757; 
Plan with median premium: $7,366; 
Plan with maximum premium: $17,112. 

Family annual deductible (dollars); 
Plan with minimum premium: $22,500; 
Plan with median premium: $15,000; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $31,500; 
Plan with median premium: $15,000; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 

Plan with minimum premium: 30%; 
Plan with median premium: 0%; 

Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
2,130 plans available. 

Premium amount (dollars); 

Plan with minimum premium: $3,210; 
Plan with median premium: $8,958; 
Plan with maximum premium: $22,110. 

Family annual deductible (dollars); 
Plan with minimum premium: $12,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $2,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $12,000; 
Plan with median premium: $13,500; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 

Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 16: In Iowa, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 1,404 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $442; 
Plan with median premium: $1,341; 
Plan with maximum premium: $3,215. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $2,600; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,600; 
Plan with maximum premium: $1,500. 

Coinsurance (percent); 
Plan with minimum premium: 40%; 
Plan with median premium: 0%; 
Plan with maximum premium: 10%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 1,404 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $597; 
Plan with median premium: $1,548; 
Plan with maximum premium: $3,722. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $2,600; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $4,000. 

Coinsurance (percent); 
Plan with minimum premium: 40%; 
Plan with median premium: 20%; 
Plan with maximum premium: 10%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 1,404 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $678; 
Plan with median premium: $1,656; 
Plan with maximum premium: $6,171. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $1,500. 

Coinsurance (percent); 
Plan with minimum premium: 40%; 
Plan with median premium: 20%; 
Plan with maximum premium: 10%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 1,404 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $916; 
Plan with median premium: $1,953; 
Plan with maximum premium: $7,080. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $8,000; 
Plan with maximum premium: $1,500. 

Coinsurance (percent); 
Plan with minimum premium: 40%; 
Plan with median premium: 40%; 
Plan with maximum premium: 10%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 1,170 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,408; 
Plan with median premium: $6,595; 
Plan with maximum premium: $17,946. 

Family annual deductible (dollars); 
Plan with minimum premium: $22,500; 
Plan with median premium: 4,500; 
Plan with maximum premium: 1,500. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $31,500; 
Plan with median premium: $13,500; 
Plan with maximum premium: $4,500. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 10%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 1,404 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,807; 
Plan with median premium: $7,707; 
Plan with maximum premium: $16,892. 

Family annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $13,500; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 40%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 17: In Kansas, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 1,727 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $405; 
Plan with median premium: $1,497; 
Plan with maximum premium: $9,804. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,000; 
Plan with maximum premium: $2,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $4,000; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: $1,727 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $452; 
Plan with median premium: $1,847; 
Plan with maximum premium: $9,804. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $11,000; 
Plan with median premium: $7,000; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: $1,727 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $459; 
Plan with median premium: $1,900; 
Plan with maximum premium: $11,016. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $2,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $4,500; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: $1,727 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $626; 
Plan with median premium: $2,270; 
Plan with maximum premium: $11,016. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,600; 
Plan with maximum premium: $2,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 1,278 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,875; 
Plan with median premium: $7,049; 
Plan with maximum premium: $17,970. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: $1,715 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $230; 
Plan with median premium: $7,916; 
Plan with maximum premium: $25,356. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $5,800; 
Plan with maximum premium: $5,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: $0; 
Plan with maximum premium: $10,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 18: In Kentucky, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 2,222 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $395; 
Plan with median premium: $1,200; 
Plan with maximum premium: $3,348. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $500; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $4,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 2,222 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $539; 
Plan with median premium: $1,781; 
Plan with maximum premium: $4,510. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $1,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $4,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 50%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 2,222 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $511; 
Plan with median premium: $1,680; 
Plan with maximum premium: $6,913. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $8,500; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 2,222 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $698; 
Plan with median premium: $2,478; 
Plan with maximum premium: $8,304. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 310 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,857; 
Plan with median premium: $3,282; 
Plan with maximum premium: $7,158. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $7,000; 
Plan with maximum premium: $5,700. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $22,000; 
Plan with maximum premium: $5,700. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 50%; 
Plan with maximum premium: 0%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 2,114 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,399; 
Plan with median premium: $6,284; 
Plan with maximum premium: $15,883. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $1,000; 
Plan with maximum premium: $1,500. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $8,000; 
Plan with maximum premium: $6,500. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 19: In Louisiana, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 1,931 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $441; 
Plan with median premium: $1,459; 
Plan with maximum premium: $4,224. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $1,000; 
Plan with median premium: $8,500; 
Plan with maximum premium: $1,500. 

Coinsurance (percent); 
Plan with minimum premium: 20; 
Plan with median premium: 50; 
Plan with maximum premium: 20. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 1,931 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $506; 
Plan with median premium: $1,864; 
Plan with maximum premium: $4,858. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $1,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,500. 

Coinsurance (percent); 
Plan with minimum premium: 20; 
Plan with median premium: 0; 
Plan with maximum premium: 20. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 1,931 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $622; 
Plan with median premium: $1,953; 
Plan with maximum premium: $9,189. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $1,000; 
Plan with median premium: $5,500; 
Plan with maximum premium: $2,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 50%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 1,931 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $713; 
Plan with median premium: $2,473; 
Plan with maximum premium: $9,852. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $1,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $2,000. 

Coinsurance (percent); 
Plan with minimum premium: 20; 
Plan with median premium: 30; 
Plan with maximum premium: 20. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 1,444 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,932; 
Plan with median premium: $6,833; 
Plan with maximum premium: $21,070. 

Family annual deductible (dollars); 
Plan with minimum premium: $15,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $1,500. 

Family out-of-pocket maximum (dollars); 

Plan with minimum premium: $1,000; 
Plan with median premium: $22,000; 
Plan with maximum premium: $2,000. 

Coinsurance (percent); 
Plan with minimum premium: 20; 
Plan with median premium: 20; 
Plan with maximum premium: 20. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 1,878 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $238; 
Plan with median premium: $7,878; 
Plan with maximum premium: $19,843. 

Family annual deductible (dollars); 

Plan with minimum premium: $22,500; 
Plan with median premium: $15,000; 
Plan with maximum premium: $1,500. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,500; 
Plan with median premium: $22,000; 
Plan with maximum premium: $2,000. 

Coinsurance (percent); 
Plan with minimum premium: 30; 
Plan with median premium: 20; 
Plan with maximum premium: 20. 

Source: GAO analysis of the 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. 

[End of table] 

Table 20: In Maine, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 11 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,522; 
Plan with median premium: $9,286; 
Plan with maximum premium: $24,132. 

Annual deductible (dollars); 

Plan with minimum premium: $12,000; 
Plan with median premium: N/A; 
Plan with maximum premium: N/A. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $14,000; 
Plan with median premium: $2,000; 
Plan with maximum premium: N/A. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 11 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,522; 
Plan with median premium: $9,286; 
Plan with maximum premium: $24,132. 

Annual deductible (dollars); 
Plan with minimum premium: $12,000; 
Plan with median premium: N/A; 
Plan with maximum premium: N/A. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $14,000; 
Plan with median premium: $2,000; 
Plan with maximum premium: N/A. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 11 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,522; 
Plan with median premium: $9,286; 
Plan with maximum premium: $24,132. 

Annual deductible (dollars); 
Plan with minimum premium: $12,000; 
Plan with median premium: N/A; 
Plan with maximum premium: N/A. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $14,000; 
Plan with median premium: $2,000; 
Plan with maximum premium: N/A. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 11 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,522; 
Plan with median premium: $9,286; 
Plan with maximum premium: $24,132. 

Annual deductible (dollars); 
Plan with minimum premium: $12,000; 
Plan with median premium: N/A; 
Plan with maximum premium: N/A. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $14,000; 
Plan with median premium: $2,000; 
Plan with maximum premium: N/A. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 11 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $5,507; 
Plan with median premium: $28,361; 
Plan with maximum premium: $77,183. 

Family annual deductible (dollars); 
Plan with minimum premium: $24,000; 
Plan with median premium: N/A; 
Plan with maximum premium: N/A. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $26,000; 
Plan with median premium: $4,000; 
Plan with maximum premium: N/A. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 11 plans available. 

Premium amount (dollars); 
Plan with minimum premium: 6,284; 
Plan with median premium: 25,657; 
Plan with maximum premium: $58,248. 

Family annual deductible (dollars); 
Plan with minimum premium: $24,000; 
Plan with median premium: N/A; 
Plan with maximum premium: N/A. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $26,000; 
Plan with median premium: $4,000; 
Plan with maximum premium: N/A. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 21: In Maryland, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 55 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $744; 
Plan with median premium: $2,280; 
Plan with maximum premium: $6,000. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $100. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $12,500; 
Plan with median premium: $4,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 

Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 10%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 55 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $744; 
Plan with median premium: $2,280; 
Plan with maximum premium: $6,000. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $100. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $12,500; 
Plan with median premium: $4,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 10%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 55 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $780; 
Plan with median premium: $2,676; 
Plan with maximum premium: $6,000. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $100. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 10%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 55 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $780; 
Plan with median premium: $2,676; 
Plan with maximum premium: $6,000. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $100. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 10%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 48 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,532; 
Plan with median premium: $6,660; 
Plan with maximum premium: $16,164. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $2,800; 
Plan with maximum premium: $200. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $5,600; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 10%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 55 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,396; 
Plan with median premium: $8,148; 
Plan with maximum premium: $22,968. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $200. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: No Maximum; 
Plan with median premium: $6,000; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 10%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 22: In Massachusetts, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 96 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,564; 
Plan with median premium: $3,438; 
Plan with maximum premium: $5,069. 

Annual deductible (dollars); 
Plan with minimum premium: $2,000; 
Plan with median premium: $1,500; 
Plan with maximum premium: N/A. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: No Maximum. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 96 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,564; 
Plan with median premium: $3,438; 
Plan with maximum premium: $5,069. 

Annual deductible (dollars); 
Plan with minimum premium: $2,000; 
Plan with median premium: $1,500; 
Plan with maximum premium: N/A. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: No Maximum. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 96 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,564; 
Plan with median premium: $3,438; 
Plan with maximum premium: $5,069. 

Annual deductible (dollars); 
Plan with minimum premium: $2,000; 
Plan with median premium: $1,500; 
Plan with maximum premium: N/A. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: No Maximum. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 96 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,564; 
Plan with median premium: $3,438; 
Plan with maximum premium: $5,069. 

Annual deductible (dollars); 
Plan with minimum premium: $2,000; 
Plan with median premium: $1,500; 
Plan with maximum premium: N/A. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: No Maximum. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 96 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $11,330; 
Plan with median premium: $15,193; 
Plan with maximum premium: $22,398. 

Family annual deductible (dollars); 
Plan with minimum premium: $4,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: N/A. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: No Maximum. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 96 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $9,868; 
Plan with median premium: $13,233; 
Plan with maximum premium: $19,509. 

Family annual deductible (dollars); 
Plan with minimum premium: $4,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: N/A. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: No Maximum. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 23: In Michigan, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 734 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $607; 
Plan with median premium: $1,072; 
Plan with maximum premium: $6,559. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $6,500; 
Plan with maximum premium: $4,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 734 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $607; 
Plan with median premium: $1,285; 
Plan with maximum premium: $6,559. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $9,500; 
Plan with maximum premium: $4,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 734 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $744; 
Plan with median premium: $1,416; 
Plan with maximum premium: $6,559. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,750; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $12,000; 
Plan with median premium: $5,950; 
Plan with maximum premium: $4,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 734 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $744; 
Plan with median premium: $1,652; 
Plan with maximum premium: $6,600. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $12,000; 
Plan with median premium: $12,000; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: $20%; 
Plan with median premium: $30%; 
Plan with maximum premium: $20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 480 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,870; 
Plan with median premium: $4,582; 
Plan with maximum premium: $8,126. 

Family annual deductible (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $6,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $48,000; 
Plan with median premium: $27,000; 
Plan with maximum premium: $18,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 722 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,156; 
Plan with median premium: $5,556; 
Plan with maximum premium: $14,940. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $1,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $25,000; 
Plan with median premium: $25,000; 
Plan with maximum premium: $10,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 40%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 24: In Minnesota, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 1,098 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $683; 
Plan with median premium: $1,540; 
Plan with maximum premium: $7,485. 

Annual deductible (dollars); 
Plan with minimum premium: $15,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $150. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,650. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 1,098 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $876; 
Plan with median premium: $2,046; 
Plan with maximum premium: $9,980. 

Annual deductible (dollars); 
Plan with minimum premium: $12,600; 
Plan with median premium: $6,000; 
Plan with maximum premium: $150. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $13,600; 
Plan with median premium: $6,000; 
Plan with maximum premium: $1,650. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 1,098 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $683; 
Plan with median premium: $1,540; 
Plan with maximum premium: $7,485. 

Annual deductible (dollars); 
Plan with minimum premium: $15,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $150. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,650. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 1,098 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $876; 
Plan with median premium: $2,046; 
Plan with maximum premium: $9,980. 

Annual deductible (dollars); 
Plan with minimum premium: $12,600; 
Plan with median premium: $6,000; 
Plan with maximum premium: $150. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $13,600; 
Plan with median premium: $6,000; 
Plan with maximum premium: $1,650. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 300 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,580; 
Plan with median premium: $6,063; 
Plan with maximum premium: $10,393. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $5,700. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $14,000; 
Plan with maximum premium: $5,700. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 50%; 
Plan with maximum premium: 0%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 1,013 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,879; 
Plan with median premium: $6,559; 
Plan with maximum premium: $31,554. 

Family annual deductible (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: $7,000; 
Plan with maximum premium: $450. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $14,000; 
Plan with maximum premium: $4,950. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 25: In Mississippi, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 578 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $612; 
Plan with median premium: $1,509; 
Plan with maximum premium: $5,681. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 578 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $705; 
Plan with median premium: $1,865; 
Plan with maximum premium: $6,586. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $6,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 578 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $881; 
Plan with median premium: $2,066; 
Plan with maximum premium: $8,275. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $9,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 578 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,017; 
Plan with median premium: $2,469; 
Plan with maximum premium: $9,594. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $6,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 288 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $4,091; 
Plan with median premium: $6,564; 
Plan with maximum premium: $12,658. 

Family annual deductible (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: $10,500; 
Plan with maximum premium: $6,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $48,000; 
Plan with median premium: $28,500; 
Plan with maximum premium: $18,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 578 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $578; 
Plan with median premium: $8,318; 
Plan with maximum premium: $26,672. 

Family annual deductible (dollars); 
Plan with minimum premium: $15,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $1,500. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $33,000; 
Plan with median premium: $24,000; 
Plan with maximum premium: $6,500. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 26: In Missouri, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 1,547 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $440; 
Plan with median premium: $1,442; 
Plan with maximum premium: $3,957. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $1,000; 
Plan with maximum premium: $5,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $11,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 30%; 
Plan with maximum premium: 30%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 1,547 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $440; 
Plan with median premium: $1,796; 
Plan with maximum premium: $4,551. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $5,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $11,000; 
Plan with median premium: $8,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 30%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 1,547 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $641; 
Plan with median premium: $2,048; 
Plan with maximum premium: $7,608. 

Annual deductible (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $5,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $7,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 10%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 1,547 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $792; 
Plan with median premium: $2,501; 
Plan with maximum premium: $9,228. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $11,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 10%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 600 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,995; 
Plan with median premium: $8,286; 
Plan with maximum premium: $18,195. 

Family annual deductible (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $15,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $33,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $18,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 30%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 1,449 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $247; 
Plan with median premium: $7,856; 
Plan with maximum premium: $23,793. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $22,500; 
Plan with maximum premium: $15,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: $31,500; 
Plan with maximum premium: $18,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 30%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 27: In Montana, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 176 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $783; 
Plan with median premium: $1,430; 
Plan with maximum premium: $4,046. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $2,850. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $7,500; 
Plan with maximum premium: $2,850. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 176 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $840; 
Plan with median premium: $1,932; 
Plan with maximum premium: $5,522. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $2,850. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $15,000; 
Plan with median premium: $11,000; 
Plan with maximum premium: $2,850. 

Coinsurance (percent); 
Plan with minimum premium: 40%; 
Plan with median premium: 50%; 
Plan with maximum premium: 0%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 176 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $783; 
Plan with median premium: $1,430; 
Plan with maximum premium: $4,046. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $2,850. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $7,500; 
Plan with maximum premium: $2,850. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 176 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $840; 
Plan with median premium: $1,932; 
Plan with maximum premium: $5,522. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $2,850. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $15,000; 
Plan with median premium: $11,000; 
Plan with maximum premium: $2,850. 

Coinsurance (percent); 
Plan with minimum premium: 40%; 
Plan with median premium: 50%; 
Plan with maximum premium: 0%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 166 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,968; 
Plan with median premium: $5,183; 
Plan with maximum premium: $13,677. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $7,000; 
Plan with maximum premium: $5,700. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $22,000; 
Plan with maximum premium: $5,700. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 50%; 
Plan with maximum premium: 0%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 176 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,465; 
Plan with median premium: $6,256; 
Plan with maximum premium: $16,035. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $5,700. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $5,700. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 28: In Nebraska, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: $1,071 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $349; 
Plan with median premium: $1,688; 
Plan with maximum premium: $3,888. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $1,000; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 1,071 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $437; 
Plan with median premium: $2,005; 
Plan with maximum premium: $4,470. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 1,071 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $409; 
Plan with median premium: $2,135; 
Plan with maximum premium: $4,700. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $1,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $4,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 1,071 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $511; 
Plan with median premium: $2,571; 
Plan with maximum premium: $6,317. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $2,600; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,600; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 809 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $4,019; 
Plan with median premium: $8,529; 
Plan with maximum premium: $18,393. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: N/A; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: N/A; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 1,048 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $4,555; 
Plan with median premium: $10,089; 
Plan with maximum premium: $22,630. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $30,000; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $26,000; 
Plan with median premium: $9,000; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 40%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

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

Source: GAO analysis of the 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.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. 

[End of table] 

Table 29: In Nevada, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: $209 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $427; 
Plan with median premium: $1,356; 
Plan with maximum premium: $7,219. 

Annual deductible (dollars); 
Plan with minimum premium: $2,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $4,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $4,500. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 30%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 192 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $513; 
Plan with median premium: $1,562; 
Plan with maximum premium: $9,750. 

Annual deductible (dollars); 
Plan with minimum premium: $2,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $4,000; 
Plan with median premium: $7,000; 
Plan with maximum premium: $4,500. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 30%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 209 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $627; 
Plan with median premium: $1,920; 
Plan with maximum premium: $12,456. 

Annual deductible (dollars); 
Plan with minimum premium: $2,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $4,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $4,500. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 30%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 192 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $752; 
Plan with median premium: $2,239; 
Plan with maximum premium: $16,818. 

Annual deductible (dollars); 
Plan with minimum premium: $2,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $4,000; 
Plan with median premium: $0; 
Plan with maximum premium: $4,500. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 0%; 
Plan with maximum premium: 30%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 17 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,276; 
Plan with median premium: $9,552; 
Plan with maximum premium: $17,112. 

Family annual deductible (dollars); 
Plan with minimum premium: $9,000; 
Plan with median premium: $0; 
Plan with maximum premium: $1,500. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $21,000; 
Plan with median premium: $4,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: N/A; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 200 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,198; 
Plan with median premium: $8,104; 
Plan with maximum premium: $36,891. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $12,000; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $3,000; 
Plan with median premium: $16,000; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 30%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 30: In New Hampshire, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: $135 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $897; 
Plan with median premium: $2,117; 
Plan with maximum premium: $15,092. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $7,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 50%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 136 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,320; 
Plan with median premium: $3,114; 
Plan with maximum premium: $22,638. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $7,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 50%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 135 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $897; 
Plan with median premium: $2,117; 
Plan with maximum premium: $15,092. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $7,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 50%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 136 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,320; 
Plan with median premium: $3,114; 
Plan with maximum premium: $22,638. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $7,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 50%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 136 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,882; 
Plan with median premium: $8,444; 
Plan with maximum premium: $26,567. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $1,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $8,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 136 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $4,776; 
Plan with median premium: $10,105; 
Plan with maximum premium: $29,202. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $4,000; 
Plan with maximum premium: $1,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $14,000; 
Plan with maximum premium: $8,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 50%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 31: In New Jersey, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: $65 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,232; 
Plan with median premium: $17,556; 
Plan with maximum premium: $43,284. 

Annual deductible (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 40%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 65 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,232; 
Plan with median premium: $17,556; 
Plan with maximum premium: $43,284. 

Annual deductible (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 40%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 65 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,688; 
Plan with median premium: $17,556; 
Plan with maximum premium: $43,284. 

Annual deductible (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 40%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 65 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,688; 
Plan with median premium: $17,556; 
Plan with maximum premium: $43,284. 

Annual deductible (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 40%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 59 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $13,608; 
Plan with median premium: $53,784; 
Plan with maximum premium: $117,300. 

Family annual deductible (dollars); 
Plan with minimum premium: $0; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $0; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 65 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $8,628; 
Plan with median premium: $35,112; 
Plan with maximum premium: $86,568. 

Family annual deductible (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 40%; 
Plan with maximum premium: 20%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 32: In New Mexico, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: $828 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $473; 
Plan with median premium: $1,372; 
Plan with maximum premium: $2,864. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $3,500; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $3,500; 
Plan with maximum premium: $1,500. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 828 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $524; 
Plan with median premium: $1,557; 
Plan with maximum premium: $3,293. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $4,500; 
Plan with maximum premium: $1,500. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 0%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 828 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $495; 
Plan with median premium: $1,625; 
Plan with maximum premium: $3,259. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $4,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 828 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $549; 
Plan with median premium: $1,869; 
Plan with maximum premium: $3,747. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $4,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 740 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,787; 
Plan with median premium: $5,690; 
Plan with maximum premium: $11,229. 

Family annual deductible (dollars); 
Plan with minimum premium: $22,500; 
Plan with median premium: $15,000; 
Plan with maximum premium: $1,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $31,500; 
Plan with median premium: $15,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 0%; 
Plan with maximum premium: 15%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 778 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,141; 
Plan with median premium: $6,804; 
Plan with maximum premium: $14,310. 

Family annual deductible (dollars); 
Plan with minimum premium: $15,000; 
Plan with median premium: $30,000; 
Plan with maximum premium: N/A. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $15,000; 
Plan with median premium: $30,000; 
Plan with maximum premium: N/A. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 33: In New York, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 120 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,986; 
Plan with median premium: $5,750; 
Plan with maximum premium: $24,324. 

Annual deductible (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: No Maximum; 
Plan with maximum premium: N/A. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: No Maximum; 
Plan with median premium: No Maximum; 
Plan with maximum premium: N/A. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 120 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,986; 
Plan with median premium: $5,750; 
Plan with maximum premium: $24,324. 

Annual deductible (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: No Maximum; 
Plan with maximum premium: N/A. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: No Maximum; 
Plan with median premium: No Maximum; 
Plan with maximum premium: N/A. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 120 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,986; 
Plan with median premium: $5,750; 
Plan with maximum premium: $24,324. 

Annual deductible (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: No Maximum; 
Plan with maximum premium: N/A. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: No Maximum; 
Plan with median premium: No Maximum; 
Plan with maximum premium: N/A. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 120 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,986; 
Plan with median premium: $5,750; 
Plan with maximum premium: $24,324. 

Annual deductible (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: No Maximum; 
Plan with maximum premium: N/A. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: No Maximum; 
Plan with median premium: No Maximum; 
Plan with maximum premium: N/A. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 119 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $4,527; 
Plan with median premium: $14,375; 
Plan with maximum premium: $75,396. 

Family annual deductible (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: No Maximum; 
Plan with maximum premium: N/A. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: No Maximum; 
Plan with median premium: No Maximum; 
Plan with maximum premium: N/A. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 112 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $4,454; 
Plan with median premium: $9,936; 
Plan with maximum premium: $50,524. 

Family annual deductible (dollars); 
Plan with minimum premium: $2,400; 
Plan with median premium: $2,500; 
Plan with maximum premium: $0. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $12,100; 
Plan with median premium: $12,100; 
Plan with maximum premium: N/A. 

Coinsurance (percent); 
Plan with minimum premium: N/A; 
Plan with median premium: N/A; 
Plan with maximum premium: 0%. 

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

Source: GAO analysis of the 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.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. 

[End of table] 

Table 34: In North Carolina, the Range of Annual Base Premiums Prior 
to Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 2,062 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $505; 
Plan with median premium: $1,513; 
Plan with maximum premium: $6,728. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $3,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $4,500; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 2,062 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $690; 
Plan with median premium: $1,884; 
Plan with maximum premium: $9,195. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 2,062 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $649; 
Plan with median premium: $1,932; 
Plan with maximum premium: $8,948. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,500; 
Plan with maximum premium: $3,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $5,500; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 2,062 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $886; 
Plan with median premium: $2,424; 
Plan with maximum premium: $13,285. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $7,000; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 50%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 1,560 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,442; 
Plan with median premium: $6,828; 
Plan with maximum premium: $19,052. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $4,000; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $11,000; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 50%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 2,062 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,039; 
Plan with median premium: $8,421; 
Plan with maximum premium: $41,128. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $9,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: No Maximum. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 35: In North Dakota, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: $250 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $674; 
Plan with median premium: $1,341; 
Plan with maximum premium: $4,215. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $3,500; 
Plan with maximum premium: $250. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $11,000; 
Plan with maximum premium: $2,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 250 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $674; 
Plan with median premium: $1,690; 
Plan with maximum premium: $4,215. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $250. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $7,000; 
Plan with maximum premium: $2,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 50%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 250 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $674; 
Plan with median premium: $1,341; 
Plan with maximum premium: $4,215. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $3,500; 
Plan with maximum premium: $250. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $11,000; 
Plan with maximum premium: $2,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 250 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $674; 
Plan with median premium: $1,690; 
Plan with maximum premium: $4,215. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $250. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $7,000; 
Plan with maximum premium: $2,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 50%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 192 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,775; 
Plan with median premium: $5,276; 
Plan with maximum premium: $13,009. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $500. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $4,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 215 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,486; 
Plan with median premium: $6,641; 
Plan with maximum premium: $15,489. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $5,700; 
Plan with maximum premium: $500. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $10,700; 
Plan with maximum premium: $4,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 50%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 36: In Ohio, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 2,440 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $492; 
Plan with median premium: $1,485; 
Plan with maximum premium: $7,404. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $2,600; 
Plan with maximum premium: $750. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $2,600; 
Plan with maximum premium: $3,750. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 2,440 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $492; 
Plan with median premium: $1,803; 
Plan with maximum premium: $7,404. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $2,600; 
Plan with maximum premium: $750. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,750. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 2,440 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $720; 
Plan with median premium: $1,989; 
Plan with maximum premium: $9,919. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $1,500; 
Plan with maximum premium: $750. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $4,000; 
Plan with maximum premium: $3,750. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 50%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 2,440 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $720; 
Plan with median premium: $2,457; 
Plan with maximum premium: $9,919. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $1,500; 
Plan with maximum premium: $750. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,750. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 1,153 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,286; 
Plan with median premium: $7,152; 
Plan with maximum premium: $27,815. 

Family annual deductible (dollars); 
Plan with minimum premium: $22,500; 
Plan with median premium: $4,500; 
Plan with maximum premium: N/A. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $31,500; 
Plan with median premium: $13,500; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: N/A. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 2,368 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,036; 
Plan with median premium: $8,434; 
Plan with maximum premium: $39,294. 

Family annual deductible (dollars); 
Plan with minimum premium: $11,000; 
Plan with median premium: $4,500; 
Plan with maximum premium: No Maximum. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $11,000; 
Plan with median premium: $13,500; 
Plan with maximum premium: No Maximum. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 37: In Oklahoma, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 1,101 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $624; 
Plan with median premium: $1,707; 
Plan with maximum premium: $4,733. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: No Maximum; 
Plan with median premium: $3,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 1,087 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $744; 
Plan with median premium: $2,029; 
Plan with maximum premium: $5,967. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $4,000; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: No Maximum; 
Plan with median premium: $4,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 1,101 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $876; 
Plan with median premium: $2,197; 
Plan with maximum premium: $10,032. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $1,000; 
Plan with maximum premium: $200. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: No Maximum; 
Plan with median premium: $10,000; 
Plan with maximum premium: $1,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 1,087 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,044; 
Plan with median premium: $2,682; 
Plan with maximum premium: $11,904. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $200. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: No Maximum; 
Plan with median premium: $7,000; 
Plan with maximum premium: $1,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 806 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,940; 
Plan with median premium: $8,211; 
Plan with maximum premium: $21,720. 

Family annual deductible (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: $4,500; 
Plan with maximum premium: $600. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: No Maximum; 
Plan with median premium: $13,500; 
Plan with maximum premium: No Maximum. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 1,101 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $585; 
Plan with median premium: $9,985; 
Plan with maximum premium: $24,225. 

Family annual deductible (dollars); 
Plan with minimum premium: $15,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $45,000; 
Plan with median premium: $21,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 0%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 38: In Oregon, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 725 plans available. 

Consumer type: Premium amount (dollars); 
Plan with minimum premium: 624; 
Plan with median premium: 725 plans available: 1,668; 
Plan with maximum premium: 725 plans available: 4,644. 

Consumer type: Annual deductible (dollars); 
Plan with minimum premium: 10,000; 
Plan with median premium: 725 plans available: 5,000; 
Plan with maximum premium: 725 plans available: 1,000. 

Consumer type: Out-of-pocket maximum (dollars); 
Plan with minimum premium: 15,000; 
Plan with median premium: 725 plans available: 10,000; 
Plan with maximum premium: 725 plans available: 4,000. 

Consumer type: Coinsurance (percent); 
Plan with minimum premium: 40; 
Plan with median premium: 725 plans available: 35; 
Plan with maximum premium: 725 plans available: 20. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 131 plans available. 

Consumer type: Premium amount (dollars); 
Plan with minimum premium: 624; 
Plan with median premium: 725 plans available: 1,992; 
Plan with maximum premium: 725 plans available: 4,644. 

Consumer type: Annual deductible (dollars); 
Plan with minimum premium: 10,000; 
Plan with median premium: 725 plans available: N/A; 
Plan with maximum premium: 725 plans available: 1,000. 

Consumer type: Out-of-pocket maximum (dollars); 
Plan with minimum premium: 15,000; 
Plan with median premium: 725 plans available: N/A; 
Plan with maximum premium: 725 plans available: 4,000. 

Consumer type: Coinsurance (percent); 
Plan with minimum premium: 40; 
Plan with median premium: 725 plans available: 0; 
Plan with maximum premium: 725 plans available: 20. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 725 plans available. 

Consumer type: Premium amount (dollars); 
Plan with minimum premium: 624; 
Plan with median premium: 725 plans available: 1,668; 
Plan with maximum premium: 725 plans available: 4,644. 

Consumer type: Annual deductible (dollars); 
Plan with minimum premium: 10,000; 
Plan with median premium: 725 plans available: 5,000; 
Plan with maximum premium: 725 plans available: 1,000. 

Consumer type: Out-of-pocket maximum (dollars); 
Plan with minimum premium: 15,000; 
Plan with median premium: 725 plans available: 10,000; 
Plan with maximum premium: 725 plans available: 4,000. 

Consumer type: Coinsurance (percent); 
Plan with minimum premium: 40; 
Plan with median premium: 725 plans available: 35; 
Plan with maximum premium: 725 plans available: 20. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 131 plans available. 

Consumer type: Premium amount (dollars); 
Plan with minimum premium: 624; 
Plan with median premium: 725 plans available: 1,992; 
Plan with maximum premium: 725 plans available: 4,644. 

Consumer type: Annual deductible (dollars); 
Plan with minimum premium: 10,000; 
Plan with median premium: 725 plans available: N/A; 
Plan with maximum premium: 725 plans available: 1,000. 

Consumer type: Out-of-pocket maximum (dollars); 
Plan with minimum premium: 15,000; 
Plan with median premium: 725 plans available: N/A; 
Plan with maximum premium: 725 plans available: 4,000. 

Consumer type: Coinsurance (percent); 
Plan with minimum premium: 40; 
Plan with median premium: 725 plans available: 0; 
Plan with maximum premium: 725 plans available: 20. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 657 plans available. 

Consumer type: Premium amount (dollars); 
Plan with minimum premium: 2,448; 
Plan with median premium: 725 plans available: 5,687; 
Plan with maximum premium: 725 plans available: 15,000. 

Consumer type: Family annual deductible (dollars); 
Plan with minimum premium: 30,000; 
Plan with median premium: 725 plans available: 10,000; 
Plan with maximum premium: 725 plans available: 3,000. 

Consumer type: Family out-of-pocket maximum (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: 725 plans available: 12,500; 
Plan with maximum premium: 725 plans available: N/A. 

Consumer type: Coinsurance (percent); 
Plan with minimum premium: 40; 
Plan with median premium: 725 plans available: 50; 
Plan with maximum premium: 725 plans available: 20. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 721 plans available. 

Consumer type: Premium amount (dollars); 
Plan with minimum premium: 3,372; 
Plan with median premium: 725 plans available: 7,489; 
Plan with maximum premium: 725 plans available: 20,604. 

Consumer type: Family annual deductible (dollars); 
Plan with minimum premium: 30,000; 
Plan with median premium: 725 plans available: 10,000; 
Plan with maximum premium: 725 plans available: 3,000. 

Consumer type: Family out-of-pocket maximum (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: 725 plans available: 12,500; 
Plan with maximum premium: 725 plans available: N/A. 

Consumer type: Coinsurance (percent); 
Plan with minimum premium: 40; 
Plan with median premium: 725 plans available: 50; 
Plan with maximum premium: 725 plans available: 20. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 39: In Pennsylvania, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 2,128 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $619; 
Plan with median premium: $1,691; 
Plan with maximum premium: $9,105. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $5,500. 

Coinsurance (percent); 
Plan with minimum premium: 15%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 2,114 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $636; 
Plan with median premium: $1,918; 
Plan with maximum premium: $9,105. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $5,500. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 2,128 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $930; 
Plan with median premium: $2,412; 
Plan with maximum premium: $11,288. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: N/A; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,500. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 15%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 2,114 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,042; 
Plan with median premium: $2,700; 
Plan with maximum premium: $11,288. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $250; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $1,050; 
Plan with median premium: $1,500; 
Plan with maximum premium: $1,500. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 15%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 1,965 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,349; 
Plan with median premium: $7,621; 
Plan with maximum premium: $32,271. 

Family annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $1,500. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $18,000; 
Plan with maximum premium: $4,500. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 15%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 2,090 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,522; 
Plan with median premium: $10,273; 
Plan with maximum premium: $44,625. 

Family annual deductible (dollars); 
Plan with minimum premium: $0; 
Plan with median premium: $15,000; 
Plan with maximum premium: $1,500. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $0; 
Plan with median premium: $15,000; 
Plan with maximum premium: $4,500. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 15%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 40: In Rhode Island, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 6 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,450; 
Plan with median premium: $2,334; 
Plan with maximum premium: $2,960. 

Annual deductible (dollars); 
Plan with minimum premium: $2,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $7,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 6 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,203; 
Plan with median premium: $5,156; 
Plan with maximum premium: $6,539. 

Annual deductible (dollars); 
Plan with minimum premium: $2,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $7,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 6 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,167; 
Plan with median premium: $3,489; 
Plan with maximum premium: $4,425. 

Annual deductible (dollars); 
Plan with minimum premium: $2,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $7,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 6 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,203; 
Plan with median premium: $5,156; 
Plan with maximum premium: $6,539. 

Annual deductible (dollars); 
Plan with minimum premium: $2,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $7,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 5 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $5,611; 
Plan with median premium: $7,958; 
Plan with maximum premium: $10,092. 

Family annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $12,100; 
Plan with median premium: $15,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 5 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $7,373; 
Plan with median premium: $10,457; 
Plan with maximum premium: $13,261. 

Family annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $12,100; 
Plan with median premium: $15,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 41: In South Carolina, the Range of Annual Base Premiums Prior 
to Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 1,103 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $700; 
Plan with median premium: $1,893; 
Plan with maximum premium: $4,945. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $1,000; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $3,000; 
Plan with median premium: $1,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 1,103 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $756; 
Plan with median premium: $2,139; 
Plan with maximum premium: $6,231. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $3,000; 
Plan with median premium: $6,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 1,103 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,072; 
Plan with median premium: $2,720; 
Plan with maximum premium: $6,743. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $3,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 1,103 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,158; 
Plan with median premium: $3,122; 
Plan with maximum premium: $9,117. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $3,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 390 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $6,106; 
Plan with median premium: $11,576; 
Plan with maximum premium: $22,509. 

Family annual deductible (dollars); 
Plan with minimum premium: $22,500; 
Plan with median premium: $15,000; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $31,500; 
Plan with median premium: $15,000; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 1,061 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,804; 
Plan with median premium: $11,448; 
Plan with maximum premium: $27,694. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $25,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 42: In South Dakota, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 626 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $514; 
Plan with median premium: $2,165; 
Plan with maximum premium: $4,921. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,500. 

Coinsurance (percent); 
Plan with minimum premium: 40%; 
Plan with median premium: 0%; 
Plan with maximum premium: 10%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 626 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $617; 
Plan with median premium: $2,609; 
Plan with maximum premium: $5,413. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $8,500; 
Plan with maximum premium: $1,500. 

Coinsurance (percent); 
Plan with minimum premium: 40%; 
Plan with median premium: 20%; 
Plan with maximum premium: 10%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 626 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $787; 
Plan with median premium: $2,733; 
Plan with maximum premium: $8,132. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $1,500; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $4,500; 
Plan with maximum premium: $1,500. 

Coinsurance (percent); 
Plan with minimum premium: 40%; 
Plan with median premium: 30%; 
Plan with maximum premium: 10%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 626 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $945; 
Plan with median premium: $3,280; 
Plan with maximum premium: $8,946. 

Annual deductible (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $11,000; 
Plan with maximum premium: $1,500. 

Coinsurance (percent); 
Plan with minimum premium: 40%; 
Plan with median premium: 20%; 
Plan with maximum premium: 10%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 577 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $4,306; 
Plan with median premium: $10,243; 
Plan with maximum premium: $21,564. 

Family annual deductible (dollars); 
Plan with minimum premium: $15,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $21,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 622 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,333; 
Plan with median premium: $12,376; 
Plan with maximum premium: $26,532. 

Family annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $4,500; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $10,500; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 40%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 43: In Tennessee, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 1,161 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $522; 
Plan with median premium: $1,689; 
Plan with maximum premium: $4,880. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $1,500; 
Plan with maximum premium: $3,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,500; 
Plan with median premium: $4,500; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 1,161 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $631; 
Plan with median premium: $2,004; 
Plan with maximum premium: $6,676. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $1,000; 
Plan with maximum premium: $3,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 1,161 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $763; 
Plan with median premium: $2,183; 
Plan with maximum premium: $6,548. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,500; 
Plan with median premium: $7,000; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 1,161 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $930; 
Plan with median premium: $2,616; 
Plan with maximum premium: $9,656. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $3,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $6,500; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 746 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,155; 
Plan with median premium: $9,338; 
Plan with maximum premium: $21,340. 

Family annual deductible (dollars); 
Plan with minimum premium: $22,500; 
Plan with median premium: $4,500; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $28,500; 
Plan with median premium: $13,500; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 1,161 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $578; 
Plan with median premium: $9,416; 
Plan with maximum premium: $29,646. 

Family annual deductible (dollars); 
Plan with minimum premium: $15,000; 
Plan with median premium: $30,000; 
Plan with maximum premium: $9,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $33,000; 
Plan with median premium: $30,000; 
Plan with maximum premium: No Maximum. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 44: In Texas, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 5,422 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $363; 
Plan with median premium: $1,358; 
Plan with maximum premium: $4,875. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $14,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 5,422 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $495; 
Plan with median premium: $1,713; 
Plan with maximum premium: $5,880. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $4,000; 
Plan with maximum premium: $250. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $6,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 15%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 5,422 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $470; 
Plan with median premium: $1,830; 
Plan with maximum premium: $7,234. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $3,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 5,422 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $642; 
Plan with median premium: $2,291; 
Plan with maximum premium: $8,387. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $9,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 3,720 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,845; 
Plan with median premium: $6,054; 
Plan with maximum premium: $22,800. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $750. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $18,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 30%; 
Plan with maximum premium: 15%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 5,422 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,227; 
Plan with median premium: $7,338; 
Plan with maximum premium: $26,616. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $7,000; 
Plan with maximum premium: $750. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $22,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 30%; 
Plan with maximum premium: 15%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 45: In Utah, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 524 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $581; 
Plan with median premium: $1,558; 
Plan with maximum premium: $3,890. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,200. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $3,600. 

Coinsurance (percent); 
Plan with minimum premium: 35%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 524 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $581; 
Plan with median premium: $1,662; 
Plan with maximum premium: $3,890. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $1,200. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $3,600. 

Coinsurance (percent); 
Plan with minimum premium: 35%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 524 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $696; 
Plan with median premium: $1,693; 
Plan with maximum premium: $4,398. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $1,200. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $11,000; 
Plan with maximum premium: $3,600. 

Coinsurance (percent); 
Plan with minimum premium: 35%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 524 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $696; 
Plan with median premium: $1,798; 
Plan with maximum premium: $4,398. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $1,200. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $5,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $3,600. 

Coinsurance (percent); 
Plan with minimum premium: 35%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 434 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,193; 
Plan with median premium: $5,712; 
Plan with maximum premium: $11,512. 

Family annual deductible (dollars); 
Plan with minimum premium: $22,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,500. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $32,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $6,500. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 524 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,348; 
Plan with median premium: $6,853; 
Plan with maximum premium: $20,524. 

Family annual deductible (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: $20,000; 
Plan with maximum premium: $2,400. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $15,000; 
Plan with median premium: $20,000; 
Plan with maximum premium: $7,200. 

Coinsurance (percent); 
Plan with minimum premium: 35%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 46: In Vermont, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 5 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $665; 
Plan with median premium: $2,493; 
Plan with maximum premium: $3,505. 

Annual deductible (dollars); 
Plan with minimum premium: $100,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $3,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: No Maximum; 
Plan with median premium: No Maximum; 
Plan with maximum premium: No Maximum. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 30%; 
Plan with maximum premium: 30%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 5 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $665; 
Plan with median premium: $2,493; 
Plan with maximum premium: $3,505. 

Annual deductible (dollars); 
Plan with minimum premium: $100,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $3,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: No Maximum; 
Plan with median premium: No Maximum; 
Plan with maximum premium: No Maximum. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 30%; 
Plan with maximum premium: 30%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 5 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $665; 
Plan with median premium: $2,493; 
Plan with maximum premium: $3,505. 

Annual deductible (dollars); 
Plan with minimum premium: $100,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $3,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: No Maximum; 
Plan with median premium: No Maximum; 
Plan with maximum premium: No Maximum. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 30%; 
Plan with maximum premium: 30%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 5 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $665; 
Plan with median premium: $2,493; 
Plan with maximum premium: $3,505. 

Annual deductible (dollars); 
Plan with minimum premium: $100,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $3,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: No Maximum; 
Plan with median premium: No Maximum; 
Plan with maximum premium: No Maximum. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 30%; 
Plan with maximum premium: 30%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 0 plans available. 

Premium amount (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: N/A; 
Plan with maximum premium: N/A. 

Family annual deductible (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: N/A; 
Plan with maximum premium: N/A. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: N/A; 
Plan with median premium: N/A; 
Plan with maximum premium: N/A. 

Coinsurance (percent); 
Plan with minimum premium: N/A; 
Plan with median premium: N/A; 
Plan with maximum premium: N/A. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 5 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,807; 
Plan with median premium: $6,778; 
Plan with maximum premium: $9,531. 

Family annual deductible (dollars); 
Plan with minimum premium: $200,000; 
Plan with median premium: $20,000; 
Plan with maximum premium: $7,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: No Maximum; 
Plan with median premium: No Maximum; 
Plan with maximum premium: No Maximum. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 30%; 
Plan with maximum premium: 30%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 47: In Virginia, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 711 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $456; 
Plan with median premium: $1,350; 
Plan with maximum premium: $13,488. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $100. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $11,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 10%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 711 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $564; 
Plan with median premium: $1,680; 
Plan with maximum premium: $13,488. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: N/A; 
Plan with maximum premium: $100. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $11,000; 
Plan with median premium: N/A; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 10%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 711 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $588; 
Plan with median premium: $1,850; 
Plan with maximum premium: $13,488. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $100. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $11,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 10%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 711 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $744; 
Plan with median premium: $2,335; 
Plan with maximum premium: $13,488. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $6,000; 
Plan with maximum premium: $100. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $11,000; 
Plan with median premium: $8,000; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 10%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 49 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,688; 
Plan with median premium: $11,244; 
Plan with maximum premium: $44,064. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $1,000; 
Plan with maximum premium: $200. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 10%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 711 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,028; 
Plan with median premium: $7,616; 
Plan with maximum premium: $64,620. 

Family annual deductible (dollars); 
Plan with minimum premium: $15,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $200. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $22,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 30%; 
Plan with maximum premium: 10%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 48: In Washington, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 69 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,248; 
Plan with median premium: $2,016; 
Plan with maximum premium: $4,836. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $1,000; 
Plan with maximum premium: $1,800. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $8,300. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 35%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 69 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,440; 
Plan with median premium: $2,340; 
Plan with maximum premium: $5,568. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $1,800. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $8,300. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 35%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 69 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,248; 
Plan with median premium: $2,016; 
Plan with maximum premium: $4,836. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $1,000; 
Plan with maximum premium: $1,800. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $8,300. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 35%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 69 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,440; 
Plan with median premium: $2,340; 
Plan with maximum premium: $5,568. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $1,800. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $8,300. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 35%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 20 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $5,424; 
Plan with median premium: $10,296; 
Plan with maximum premium: $20,112. 

Family annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: N/A; 
Plan with maximum premium: $1,800. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: N/A; 
Plan with maximum premium: $8,300. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 25%; 
Plan with maximum premium: 35%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 67 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $5,880; 
Plan with median premium: $9,528; 
Plan with maximum premium: $22,992. 

Family annual deductible (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: $7,000; 
Plan with maximum premium: $1,800. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $22,500; 
Plan with median premium: $10,000; 
Plan with maximum premium: $8,300. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 35%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 49: In West Virginia, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 1,766 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $511; 
Plan with median premium: $1,476; 
Plan with maximum premium: $5,958. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,850; 
Plan with maximum premium: $2,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $5,350; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 50%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 1,766 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $697; 
Plan with median premium: $1,800; 
Plan with maximum premium: $6,228. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $2,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $3,000; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 1,766 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $654; 
Plan with median premium: $1,825; 
Plan with maximum premium: $6,624. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $2,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $3,000; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 1,766 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $893; 
Plan with median premium: $2,228; 
Plan with maximum premium: $6,993. 

Annual deductible (dollars); 
Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $2,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $17,500; 
Plan with median premium: $3,000; 
Plan with maximum premium: $5,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 1,579 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,391; 
Plan with median premium: $6,409; 
Plan with maximum premium: $16,987. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $21,000; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 1,766 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $3,099; 
Plan with median premium: $8,429; 
Plan with maximum premium: $20,901. 

Family annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $4,000; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $35,000; 
Plan with median premium: $11,000; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 50%; 
Plan with maximum premium: 20%. 

Source: GAO analysis of the 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. 

[End of table] 

Table 50: In Wisconsin, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 18,151 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $468; 
Plan with median premium: $1,295; 
Plan with maximum premium: $3,924. 

Annual deductible (dollars); 
Plan with minimum premium: $3,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $4,500; 
Plan with median premium: $5,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 18,151 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $539; 
Plan with median premium: $1,839; 
Plan with maximum premium: $5,537. 

Annual deductible (dollars); 
Plan with minimum premium: $3,500; 
Plan with median premium: $2,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $4,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 18,151 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $616; 
Plan with median premium: $1,723; 
Plan with maximum premium: $6,612. 

Annual deductible (dollars); 
Plan with minimum premium: $3,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $0. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $4,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $500. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: N/A. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 18,151 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $709; 
Plan with median premium: $2,418; 
Plan with maximum premium: $8,655. 

Annual deductible (dollars); 
Plan with minimum premium: $3,500; 
Plan with median premium: $2,500; 
Plan with maximum premium: $2,500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $4,500; 
Plan with median premium: $3,500; 
Plan with maximum premium: $2,500. 

Coinsurance (percent); 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 1,512 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $2,375; 
Plan with median premium: $6,806; 
Plan with maximum premium: $17,858. 

Family annual deductible (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: $4,000; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $50,000; 
Plan with median premium: $8,000; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 18,079 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $160; 
Plan with median premium: $7,028; 
Plan with maximum premium: $21,972. 

Family annual deductible (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: $4,500; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $30,000; 
Plan with median premium: $24,500; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 50%; 
Plan with maximum premium: 20%. 

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

Source: GAO analysis of the 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. 

[End of table] 

Table 51: In Wyoming, the Range of Annual Base Premiums Prior to 
Underwriting in the Individual (Nongroup) Market for Selected 
Consumers Displayed on the HealthCare.gov Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Plan with minimum premium: 528 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,064; 
Plan with median premium: $2,046; 
Plan with maximum premium: $3,930. 

Annual deductible (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $2,600; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $20,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Plan with minimum premium: 528 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,232; 
Plan with median premium: $2,346; 
Plan with maximum premium: $4,519. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $1,000; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,500; 
Plan with median premium: $2,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Plan with minimum premium: 528 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,298; 
Plan with median premium: $2,500; 
Plan with maximum premium: $4,819. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $1,000; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,500; 
Plan with median premium: $10,000; 
Plan with maximum premium: $2,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Plan with minimum premium: 528 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $1,493; 
Plan with median premium: $2,875; 
Plan with maximum premium: $5,559. 

Annual deductible (dollars); 
Plan with minimum premium: $7,500; 
Plan with median premium: $1,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars); 
Plan with minimum premium: $10,500; 
Plan with median premium: $10,000; 
Plan with maximum premium: $1,500. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Family of four, parents age 40; 
Plan with minimum premium: 464 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $5,028; 
Plan with median premium: $9,424; 
Plan with maximum premium: $18,592. 

Family annual deductible (dollars); 
Plan with minimum premium: $22,500; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $31,500; 
Plan with median premium: $9,000; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Plan with minimum premium: 524 plans available. 

Premium amount (dollars); 
Plan with minimum premium: $5,559; 
Plan with median premium: $12,255; 
Plan with maximum premium: $22,874. 

Family annual deductible (dollars); 
Plan with minimum premium: $40,000; 
Plan with median premium: N/A; 
Plan with maximum premium: $3,000. 

Family out-of-pocket maximum (dollars); 
Plan with minimum premium: $40,000; 
Plan with median premium: N/A; 
Plan with maximum premium: $9,000. 

Coinsurance (percent); 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

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

Source: GAO analysis of the 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. 

[End of table] 

[End of section] 

Enclosure II: 

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

Table 52: 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 Selected Consumers Displayed on the HealthCare.gov 
Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Urban Zip 60610 Chicago, Illinois: 194 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $742; 
Plan with median premium: $1,901; 
Plan with maximum premium: $5,632; 
Rural Zip 60945 Iroquois, Illinois: 434 plans available; 
Plan with minimum premium: $677; 
Plan with median premium: $1,612; 
Plan with maximum premium: $4,172. 

Annual deductible (dollars): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $0; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: $10,000; 
Plan with median premium: $4,000; 
Plan with maximum premium: $0. 

Out-of-pocket maximum (dollars): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: $16,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $1,000; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: $16,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $1,000. 

Coinsurance (percent): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: 30%; 
Plan with median premium: 30%; 
Plan with maximum premium: 0%; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 0%. 

Consumer type: Single male, smoker, age 30; 
Urban Zip 60610 Chicago, Illinois: 194 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $930; 
Plan with median premium: $2,393; 
Plan with maximum premium: $7,040; 
Rural Zip 60945 Iroquois, Illinois: 434 plans available; 
Plan with minimum premium: $696; 
Plan with median premium: $1,784; 
Plan with maximum premium: $5,215. 

Annual deductible (dollars): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: $10,000; 
Plan with median premium: $1,250; 
Plan with maximum premium: $0; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: $7,500; 
Plan with median premium: $0; 
Plan with maximum premium: $0. 

Out-of-pocket maximum (dollars): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: $16,000; 
Plan with median premium: $4,250; 
Plan with maximum premium: $1,000; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: $22,500; 
Plan with median premium: $3,000; 
Plan with maximum premium: $1,000. 

Coinsurance (percent): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 0%; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Single female, nonsmoker, age 30; 
Urban Zip 60610 Chicago, Illinois: 194 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $1,058; 
Plan with median premium: $3,146; 
Plan with maximum premium: $14,578; 
Rural Zip 60945 Iroquois, Illinois: 434 plans available; 
Plan with minimum premium: $948; 
Plan with median premium: $2,560; 
Plan with maximum premium: $10,798. 

Annual deductible (dollars): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: $10,000; 
Plan with median premium: $500; 
Plan with maximum premium: $0; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: $7,500; 
Plan with median premium: $3,000; 
Plan with maximum premium: $0. 

Out-of-pocket maximum (dollars): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: $16,000; 
Plan with median premium: $3,000;
Plan with maximum premium: $1,000; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: $22,500; 
Plan with median premium: $6,000; 
Plan with maximum premium: $1,000. 

Coinsurance (percent): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 0%; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: 0%; 
Plan with median premium: 30%; 
Plan with maximum premium: 0%. 

Consumer type: Single female, smoker, age 30; 
Urban Zip 60610 Chicago, Illinois: 194 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $1,292; 
Plan with median premium: $3,932; 
Plan with maximum premium: $18,223; 
Rural Zip 60945 Iroquois, Illinois: 434 plans available; 
Plan with minimum premium: $948; 
Plan with median premium: $2,736; 
Plan with maximum premium: $13,498. 

Annual deductible (dollars): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: $10,000; 
Plan with median premium: $500; 
Plan with maximum premium: $0; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: $7,500; 
Plan with median premium: $1,750; 
Plan with maximum premium: $0. 

Out-of-pocket maximum (dollars): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: $16,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $1,000; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: $22,500; 
Plan with median premium: $4,750; 
Plan with maximum premium: $1,000. 

Coinsurance (percent): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 0%; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: 0%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Family of four, parents age 40; 
Urban Zip 60610 Chicago, Illinois: 178 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $3,489; 
Plan with median premium: $8,905; 
Plan with maximum premium: $31,536; 
Rural Zip 60945 Iroquois, Illinois: 178 plans available; 
Plan with minimum premium: $3,187; 
Plan with median premium: $6,929; 
Plan with maximum premium: $23,358. 

Family Annual deductible (dollars): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: $30,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $0; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: $30,000; 
Plan with median premium: $5,200; 
Plan with maximum premium: $0. 

Family Out-of-pocket maximum (dollars): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: $48,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $3,000; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: $48,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 0%;
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: 30%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

Consumer type: Couple, age 55; 
Urban Zip 60610 Chicago, Illinois: 194 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $3,921; 
Plan with median premium: $11,129; 
Plan with maximum premium: $37,790; 
Rural Zip 60945 Iroquois, Illinois: 194 plans available; 
Plan with minimum premium: $3,582; 
Plan with median premium: $8,418; 
Plan with maximum premium: $27,991. 

Family Annual deductible (dollars): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: $30,000; 
Plan with median premium: $9,000; 
Plan with maximum premium: $0; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: $30,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $0. 

Family Out-of-pocket maximum (dollars): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: $48,000; 
Plan with median premium: $18,000; 
Plan with maximum premium: $3,000; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: $48,000; 
Plan with median premium: $9,500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent): 
Urban Zip 60610 Chicago, Illinois: 
Plan with minimum premium: 30%; 
Plan with median premium: 30%; 
Plan with maximum premium: 0%; 
Rural Zip 60945 Iroquois, Illinois: 
Plan with minimum premium: 30%; 
Plan with median premium: 0%; 
Plan with maximum premium: 0%. 

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 
Agriculture's 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. 

[End of table] 

Table 53: 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 Selected Consumers Displayed on the HealthCare.gov 
Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Urban Zip 89002 Henderson, NV: 122 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $427; 
Plan with median premium: $1,252; 
Plan with maximum premium: $5,486; 
Rural Zip 89444 Wellington, NV: 90 plans available; 
Plan with minimum premium: $520; 
Plan with median premium: $1,303; 
Plan with maximum premium: $5,986. 

Annual deductible (dollars): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: $2,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $1,500; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: $4,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $4,500; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: $3,000; 
Plan with median premium: $0; 
Plan with maximum premium: $4,500. 

Coinsurance (percent): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 30%; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 30%. 

Consumer type: Single male, smoker, age 30; 
Urban Zip 89002 Henderson, NV: 113 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $513; 
Plan with median premium: $1,449; 
Plan with maximum premium: $7,410; 
Rural Zip 89444 Wellington, NV: 82 plans available; 
Plan with minimum premium: $626; 
Plan with median premium: $1,559; 
Plan with maximum premium: $8,085. 

Annual deductible (dollars): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: $2,000; 
Plan with median premium: $7,500; 
Plan with maximum premium: $1,500; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,500; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: $4,000; 
Plan with median premium: $0; 
Plan with maximum premium: $4,500; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: $300; 
Plan with median premium: $600; 
Plan with maximum premium: $4,500. 

Coinsurance (percent): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: 50%; 
Plan with median premium: 0%; 
Plan with maximum premium: 30%; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 30%. 

Consumer type: Single female, nonsmoker, age 30; 
Urban Zip 89002 Henderson, NV: 122 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $627; 
Plan with median premium: $1,723; 
Plan with maximum premium: $9,497; 
Rural Zip 89444 Wellington, NV: 90 plans available; 
Plan with minimum premium: $688; 
Plan with median premium: $1,709; 
Plan with maximum premium: $10,333. 

Annual deductible (dollars): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: $2,000; 
Plan with median premium: $3,500; 
Plan with maximum premium: $1,500; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: $4,000; 
Plan with median premium: $3,500;
Plan with maximum premium: $4,500; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: $3,000; 
Plan with median premium: $0; 
Plan with maximum premium: $4,500. 

Coinsurance (percent): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: 50%; 
Plan with median premium: 0%; 
Plan with maximum premium: 30%; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 30%. 

Consumer type: Single female, smoker, age 30; 
Urban Zip 89002 Henderson, NV: 113 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $752; 
Plan with median premium: $2,009; 
Plan with maximum premium: $12,823; 
Rural Zip 89444 Wellington, NV: 82 plans available; 
Plan with minimum premium: $828; 
Plan with median premium: $2,040; 
Plan with maximum premium: $13,952. 

Annual deductible (dollars): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: $2,000; 
Plan with median premium: N/A; 
Plan with maximum premium: $1,500; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: $4,000; 
Plan with median premium: $0; 
Plan with maximum premium: $4,500; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: $3,000; 
Plan with median premium: $12,500; 
Plan with maximum premium: $4,500. 

Coinsurance (percent): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: 50%; 
Plan with median premium: 0%; 
Plan with maximum premium: 30%; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 30%. 

Consumer type: Family of four, parents age 40; 
Urban Zip 89002 Henderson, NV: 9 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $3,276; 
Plan with median premium: $8,688; 
Plan with maximum premium: $15,552; 
Rural Zip 89444 Wellington, NV: 8 plans available; 
Plan with minimum premium: $3,936; 
Plan with median premium: $11,064; 
Plan with maximum premium: $17,112. 

Family Annual deductible (dollars): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: $9,000; 
Plan with median premium: $0; 
Plan with maximum premium: $1,500; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: $9,000; 
Plan with median premium: $0; 
Plan with maximum premium: $1,500. 

Family Out-of-pocket maximum (dollars): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: $21,000; 
Plan with median premium: $4,000; 
Plan with maximum premium: $6,000; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: $21,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: 30%; 
Plan with median premium: N/A; 
Plan with maximum premium: 20%;
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: 30%; 
Plan with median premium: N/A; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Urban Zip 89002 Henderson, NV: 113 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $3,198; 
Plan with median premium: $7,531; 
Plan with maximum premium: $28,139; 
Rural Zip 89444 Wellington, NV: 81 plans available; 
Plan with minimum premium: $3,198; 
Plan with median premium: $7,360; 
Plan with maximum premium: $30,165. 

Family Annual deductible (dollars): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: $20,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $3,000; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: $20,000; 
Plan with median premium: $7,000; 
Plan with maximum premium: $3,000. 

Family Out-of-pocket maximum (dollars): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: $3,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $9,000; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: $3,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $9,000. 

Coinsurance (percent): 
Urban Zip 89002 Henderson, NV: 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 30%; 
Rural Zip 89444 Wellington, NV: 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 30%. 

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 
Agriculture's 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. 

[End of table] 

Table 54: 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 Selected Consumers Displayed on the HealthCare.gov 
Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Urban Zip 15028 Coulters, PA: 86 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $619; 
Plan with median premium: $1,511; 
Plan with maximum premium: $9,105; 
Rural Zip 17212 Big Cove Tannery, PA: 96 plans available; 
Plan with minimum premium: $636; 
Plan with median premium: $1,555; 
Plan with maximum premium: $9,081. 

Annual deductible (dollars): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: $5,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $1,500; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: $5,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,500. 

Out-of-pocket maximum (dollars): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $5,500; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: $10,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: 15%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: 20%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%. 

Consumer type: Single male, smoker, age 30; 
Urban Zip 15028 Coulters, PA: 86 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $712; 
Plan with median premium: $1,651; 
Plan with maximum premium: $9,105; 
Rural Zip 17212 Big Cove Tannery, PA: 96 plans available; 
Plan with minimum premium: $636; 
Plan with median premium: $1,752; 
Plan with maximum premium: $9,081. 

Annual deductible (dollars): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: $5,000; 
Plan with median premium: $250; 
Plan with maximum premium: $1,500; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: $5,000; 
Plan with median premium: N/A; 
Plan with maximum premium: $1,000. 

Out-of-pocket maximum (dollars): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,000; 
Plan with maximum premium: $5,500; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: $10,000; 
Plan with median premium: N/A; 
Plan with maximum premium: $3,000. 

Coinsurance (percent): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: 15%; 
Plan with median premium: 10%; 
Plan with maximum premium: 20%; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, nonsmoker, age 30; 
Urban Zip 15028 Coulters, PA: 86 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $1,042; 
Plan with median premium: $2,140; 
Plan with maximum premium: $9,105; 
Rural Zip 17212 Big Cove Tannery, PA: 96 plans available; 
Plan with minimum premium: $1,083; 
Plan with median premium: $2,405; 
Plan with maximum premium: $11,288. 

Annual deductible (dollars): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: $5,000; 
Plan with median premium: $0; 
Plan with maximum premium: $1,500; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: $5,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: $10,000; 
Plan with median premium: N/A;
Plan with maximum premium: $5,500; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $1,500. 

Coinsurance (percent): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: 15%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 15%. 

Consumer type: Single female, smoker, age 30; 
Urban Zip 15028 Coulters, PA: 86 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $1,199; 
Plan with median premium: $2,342; 
Plan with maximum premium: $9,105; 
Rural Zip 17212 Big Cove Tannery, PA: 96 plans available; 
Plan with minimum premium: $1,083; 
Plan with median premium: $2,580; 
Plan with maximum premium: $11,288. 

Annual deductible (dollars): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: $5,000; 
Plan with median premium: $1,500; 
Plan with maximum premium: $1,500; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: $5,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: $10,000; 
Plan with median premium: $4,500; 
Plan with maximum premium: $5,500; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $1,500. 

Coinsurance (percent): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: 15%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 15%. 

Consumer type: Family of four, parents age 40; 
Urban Zip 15028 Coulters, PA: 53 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $3,929; 
Plan with median premium: $7,406; 
Plan with maximum premium: $27,129; 
Rural Zip 17212 Big Cove Tannery, PA: 71 plans available; 
Plan with minimum premium: $3,349; 
Plan with median premium: $7,126; 
Plan with maximum premium: $32,271. 

Family Annual deductible (dollars): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: $7,000; 
Plan with median premium: $30,000; 
Plan with maximum premium: $3,000; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $1,500. 

Family Out-of-pocket maximum (dollars): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: $10,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $11,000; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: $20,000; 
Plan with median premium: $4,500; 
Plan with maximum premium: $4,500. 

Coinsurance (percent): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: 20%; 
Plan with median premium: 0%; 
Plan with maximum premium: 20%;
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: 20%; 
Plan with median premium: 15%; 
Plan with maximum premium: 20%. 

Consumer type: Couple, age 55; 
Urban Zip 15028 Coulters, PA: 78 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $3,638; 
Plan with median premium: $9,186; 
Plan with maximum premium: $23,266; 
Rural Zip 17212 Big Cove Tannery, PA: 96 plans available; 
Plan with minimum premium: $3,645; 
Plan with median premium: $8,635; 
Plan with maximum premium: $44,625. 

Family Annual deductible (dollars): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: $10,000; 
Plan with median premium: N/A; 
Plan with maximum premium: $3,000; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: $0; 
Plan with median premium: $2,400; 
Plan with maximum premium: $1,500. 

Family Out-of-pocket maximum (dollars): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: $3,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $9,000; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: $3,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $9,000. 

Coinsurance (percent): 
Urban Zip 15028 Coulters, PA: 
Plan with minimum premium: 15%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: 0%; 
Plan with median premium: 10%; 
Plan with maximum premium: 15%. 

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 
Agriculture's 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. 

[End of table] 

Table 55: 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 Selected Consumers Displayed on the HealthCare.gov 
Plan Finder in January 2013: 

Consumer type: Single male, nonsmoker, age 30; 
Urban Zip 75248 Dallas, TX: 228 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $566; 
Plan with median premium: $1,454; 
Plan with maximum premium: $4,236; 
Rural Zip 79506 Blackwell, TX: 229 plans available; 
Plan with minimum premium: $653; 
Plan with median premium: $1,452; 
Plan with maximum premium: $3,744. 

Annual deductible (dollars): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: $10,000; 
Plan with median premium: $6,000; 
Plan with maximum premium: $250; 
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: $10,000; 
Plan with median premium: $1,750; 
Plan with maximum premium: $250. 

Out-of-pocket maximum (dollars): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: $17,500; 
Plan with median premium: $6,000; 
Plan with maximum premium: $3,500; 
Rural Zip 17212 Big Cove Tannery, PA: 
Plan with minimum premium: $17,500; 
Plan with median premium: $3,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: 50%; 
Plan with median premium: 0%; 
Plan with maximum premium: 15%; 
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: 50%; 
Plan with median premium: 10%; 
Plan with maximum premium: 15%. 

Consumer type: Single male, smoker, age 30; 
Urban Zip 75248 Dallas, TX: 228 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $733; 
Plan with median premium: $1,820; 
Plan with maximum premium: $5,304; 
Rural Zip 79506 Blackwell, TX: 229 plans available; 
Plan with minimum premium: $773; 
Plan with median premium: $1,824; 
Plan with maximum premium: $4,668. 

Annual deductible (dollars): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $250; 
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: $10,000; 
Plan with median premium: $1,500; 
Plan with maximum premium: $250. 

Out-of-pocket maximum (dollars): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: $17,500; 
Plan with median premium: $13,000; 
Plan with maximum premium: $3,000; 
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: $5,000; 
Plan with median premium: $3,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 15%; 
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: 0%; 
Plan with median premium: 25%; 
Plan with maximum premium: 15%. 

Consumer type: Single female, nonsmoker, age 30; 
Urban Zip 75248 Dallas, TX: 228 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $733; 
Plan with median premium: $1,971; 
Plan with maximum premium: $5,957; 
Rural Zip 79506 Blackwell, TX: 229 plans available; 
Plan with minimum premium: $845; 
Plan with median premium: $1,953; 
Plan with maximum premium: $5,136. 

Annual deductible (dollars): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $5,000; 
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: $10,000; 
Plan with median premium: $5,000; 
Plan with maximum premium: $500. 

Out-of-pocket maximum (dollars): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: $17,500; 
Plan with median premium: $13,000;
Plan with maximum premium: $3,000; 
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: $17,500; 
Plan with median premium: $6,000; 
Plan with maximum premium: $3,000. 

Coinsurance (percent): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 20%; 
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: 50%; 
Plan with median premium: 30%; 
Plan with maximum premium: 20%. 

Consumer type: Single female, smoker, age 30; 
Urban Zip 75248 Dallas, TX: 228 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $1,001; 
Plan with median premium: $2,435; 
Plan with maximum premium: $7,212; 
Rural Zip 79506 Blackwell, TX: 229 plans available; 
Plan with minimum premium: $1,139; 
Plan with median premium: $2,439; 
Plan with maximum premium: $6,348. 

Annual deductible (dollars): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: $10,000; 
Plan with median premium: $10,000; 
Plan with maximum premium: $250; 
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: $10,000; 
Plan with median premium: $2,850; 
Plan with maximum premium: $250. 

Out-of-pocket maximum (dollars): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: $17,500; 
Plan with median premium: $13,000; 
Plan with maximum premium: $3,000; 
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: $5,000; 
Plan with median premium: $5,3500; 
Plan with maximum premium: $3,000. 

Coinsurance (percent): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 15%; 
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: 0%; 
Plan with median premium: 50%; 
Plan with maximum premium: 15%. 

Consumer type: Family of four, parents age 40; 
Urban Zip 75248 Dallas, TX: 159 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $2,878; 
Plan with median premium: $6,408; 
Plan with maximum premium: $20,556; 
Rural Zip 79506 Blackwell, TX: 159 plans available; 
Plan with minimum premium: $3,317; 
Plan with median premium: $6,590; 
Plan with maximum premium: $18,120. 

Family Annual deductible (dollars): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: $20,000; 
Plan with median premium: $15,000; 
Plan with maximum premium: $750; 
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: $20,000; 
Plan with median premium: $10,500; 
Plan with maximum premium: $750. 

Family Out-of-pocket maximum (dollars): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: $35,000; 
Plan with median premium: $33,000; 
Plan with maximum premium: $6,000; 
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: $35,000; 
Plan with median premium: $28,500; 
Plan with maximum premium: $6,000. 

Coinsurance (percent): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: 50%; 
Plan with median premium: 30%; 
Plan with maximum premium: 15%;
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: 50%; 
Plan with median premium: 30%; 
Plan with maximum premium: 15%. 

Consumer type: Couple, age 55; 
Urban Zip 75248 Dallas, TX: 228 plans available; 
Premium amount (dollars); 
Plan with minimum premium: $3,473; 
Plan with median premium: $7,723; 
Plan with maximum premium: $24,000; 
Rural Zip 79506 Blackwell, TX: 229 plans available; 
Plan with minimum premium: $4,002; 
Plan with median premium: $7,760; 
Plan with maximum premium: $21,156. 

Family Annual deductible (dollars): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: $20,000; 
Plan with median premium: $7,000; 
Plan with maximum premium: $750; 
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: $22,500; 
Plan with median premium: $15,000; 
Plan with maximum premium: $750. 

Family Out-of-pocket maximum (dollars): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: $35,000; 
Plan with median premium: $14,000; 
Plan with maximum premium: $6,000; 
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: $25,000; 
Plan with median premium: $20,000; 
Plan with maximum premium: $6,000. 

Coinsurance (percent): 
Urban Zip 75248 Dallas, TX: 
Plan with minimum premium: 50%; 
Plan with median premium: 20%; 
Plan with maximum premium: 15%; 
Rural Zip 79506 Blackwell, TX: 
Plan with minimum premium: 30%; 
Plan with median premium: 20%; 
Plan with maximum premium: 15%. 

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 
Agriculture's 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. 

[End of table] 

([End of section] 

Footnotes: 

[1] Private health insurance includes individual and group market 
plans. Participants in the individual market purchase health insurance 
coverage directly from a 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.: Feb. 15, 
2013). 

[3] Bernadette Fernandez, Congressional Research Service, Drivers of 
Premium Increases and Review of Health Insurance Rates (Washington, 
D.C.: January 20, 2012). In any given state, premiums may vary 
according to the rating factors allowed by the state. For example, a 
state may prohibit premiums in the individual market from varying based 
on health factors, but may allow premiums to vary based on age, gender, 
or other risk factors. 

[4] A preexisting condition is a health condition that exists before 
someone applies for or enrolls in a new health insurance coverage. 

[5] This online portal was established pursuant to a requirement in the 
Patient Protection and Affordable Care Act (PPACA), Pub. L. No. 111-
148, §§ 1103(a), 10102(b), 124 Stat. 119, 146, 892 (2010). The Plan 
Finder can be found at [hyperlink, http://finder.healthcare.gov/]. 

[6] See, Pub. L. No. 111-148, § 1201, 124 Stat. 154. In March 2012, GAO 
reported that there were 5 states with protections similar to PPACA. We 
classified states as having protections similar to PPACA if the state 
prohibited the denial of coverage to individuals on the basis of 
preexisting conditions, or if the state had rating restrictions that 
affected insurers' ability to adjust an individual's health insurance 
premiums on the basis of an individual's health status. 

[7] Pub. L. No. 111-148, §§ 1501, 10106, 124 Stat. 242, 907, as amended 
by Pub. L. No. 111-152, §§ 1002, 1004, 124 Stat. 1029, 1032. 

[8] In addition, beginning January 1, 2014, premium tax credits and 
cost-sharing subsidies--subsidies that will help individuals pay for 
out-of-pocket expenses such as deductibles and copays--will become 
available under PPACA. 

[9] 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. 

[10] HealthCare.gov data include enrollment information at the product 
level. However, multiple plans may be associated with a single product; 
therefore, plan-level enrollment data were not available. 

[11] Urban and rural classifications were based on the Rural-Urban 
Commuting Area (RUCA) codes developed by the Department of 
Agriculture's Economic Research Service which are based on patterns of 
urbanization, population density, and daily commuting patterns. 

[End of section] 

GAO’s Mission: 

The Government Accountability Office, the audit, evaluation, and 
investigative arm of Congress, exists to support Congress in meeting 
its constitutional responsibilities and to help improve the 
performance and accountability of the federal government for the 
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