2015 individual exchange information, last updated ... · 2015 filed carriers across 50 states and...
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The content that follows is based on approved 2015 individual exchange offering data from state and federal exchanges, and is current as of November 19, 2014.
We have approved data for all 50 states and D.C., covering 499 rating areas and 3,144 counties across the entire U.S.
Please note: This report does not include off-exchange rates. For additional methodological details about how each of the charts was calculated, please see the appendix.
Please contact us at reformcenter@mckinsey.com with any questions.
McKinsey Center for U.S. Health System Reform
2015 Individual Exchange information, last updated November 19, 2014
+43%
+28%
+28%
Incumbents from2014 (of 282 total)
By the Numbers
70CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across 50 states and D.C.+ Average across 50 states and D.C.
Percentage of subsidy-eligible population across 50 states and D.C.*
Weighted average annual change*
Ranges across all rating areas in 50 states and D.C.
New entrants in 2015
1.4x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-price silver plans
Maximum increaseMaximum decrease
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan73%
$
26% +$169
-$118
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
2 56
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
2015
2014
2015
2014
-30%
-29%
-33%
McKinsey Center for U.S. Health System ReformSOURCE: Publicly available product data on federal and state exchanges as of November 19, 2014.**Includes provider-based entrants offering coverage in other lines of business.
Provider**14%
Medicaid11%
CO-OP 6%
Regional / Local 9%
National59%
Blues1%
BY CARRIER TYPE BY EXPERIENCE
2014 exchange
presence in other states
13%
Off-exchange in state, 2014 exchange
presence in other state(s) 44%
New to individual insurance
20%Off-exchange
in state, no 2014
exchange presence
23%
70 New Entrants
70 new entrants* in 2015 across the U.S.
*Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Lowest-price silver net premium change
SOURCE: Mckinsey Center for US Health Reform; Mckinsey Advanced Healthcare Analytics; data from federal and state exchanges as of Novemver, 15 2014. Last updated November 26, 2014.
Net premium change in 2014 lowest-price silver to 2015 lowest-price silver
McKinsey Center for U.S. Health System Reform
$ PMPY premium change for all QHP-eligible consumers
WA
MT
ID
UT
AZ
CO
SD
NDMN
MO
WI
VT ME
MI
IN
KY
TN
AL GA
SC
VAWV
LA
NE
KS
OK AR
HI
AK
OR
IA
FL
PA
OH
NY
TX
NV
CA
IL
NHMA
CTNJ
RI
DEMDDC
State by State
McKinsey Center for U.S. Health System Reform
NM
NC
MS
WY
Click on a state for details about 2015 individual exchange filings
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
Incumbents from2014 (of 2 total)
+9%
+9%
Alabama
02 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
2.5x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-2%
-2% +9%
-3%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
91% 7%
+$92
-$22
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 2 total)
Alaska
02 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
0.8x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
100% 0%
+$99
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
+28%
+28%
+28%
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 10 total)
Arizona
08 03CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
0.9x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
7% 93%
+$70
-$238
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
+4%
+13%
-18%
-21% +10%
-10%
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times. Reduction in number of existing carriers due to 2 instances of a carrier with 2 filing names in 2014 now filing under 1 name in 2015
Maximum increaseMaximum decrease $Range across rating areas in state
Arkansas
03 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 3 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.5x
Lowest-pricebronze plans
Lowest-pricesilver plans
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
98% 2%
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
+$119
-$552nd lowest-price silverplans
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
+8%-8%
-7%
-9%
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents++ from2014 (of 11 total)
+12%
+6%
California
10 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.0x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-2%
-3% +10%
-2%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
85% 14%
+$143
-$52
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
2015
2014
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.++Reflects withdrawal of one 2014 carrier in November, 2013
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
+2%-28%
-29%
-30% -$248
Maximum increaseMaximum decrease $
Colorado
10 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 10 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted average annual change*
New entrants in 2015
1.1x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-price silver plans
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan58%
42% +$50
McKinsey Center for U.S. Health System Reform
Range across rating areas in state
More plans offered compared to 2014
NOTE: Due to changes in Colorado rating areas, only plans from the most populated combined 2014 regions used in comparison with new 2015 regions *Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size,
income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
-19%
-2%
-8%
-$21
Connecticut
03 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 3 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
Range across rating areas in state
New entrants in 2015
2.2x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans +1%
+3%
Maximum increaseMaximum decrease
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan96%
4%
$
McKinsey Center for U.S. Health System Reform
2015
2014More plans offered compared to 2014
+$207
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019.
Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
+9%
Maximum increaseMaximum decrease $
District of Columbia
03 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 3 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
0.9x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
+1%
+5%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan40%
60% McKinsey Center for U.S. Health System Reform
Range across rating areas in state
2015
2014
Plans offered compared to 2014
+$30
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
-$73
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 2 total)
Delaware
02 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.2x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-3%
+4%
+4%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
100% 0%
+$35
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 11 total)
+40%
+24%
Florida
11 03CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
0.6x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-29%
-22% +24%
-18%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
80% 17%
+$246
-$90
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Maximum increaseMaximum decrease $Range across rating areas in state
Georgia
05 04CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 5 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.9x
Lowest-pricebronze plans
Lowest-pricesilver plans
+24%
+10%
-21%
-23%
-30%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
93% 6%
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
+$292
-$992nd lowest-price silverplans
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
+23%
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 2 total)
Hawaii
02 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
0.7x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
100% 0%
+$122
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
+9%
+14%
+10%
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 4 total)
+13%
+9%
Idaho
04 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.4x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-10%
-12% +10%
-12%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
77% 23%
+$173
-$76
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
Incumbents from2014 (of 7 total)
+19%
+13%
Illinois
05 03CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.2x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-3%
-3% +12%
-7%
Will see net premium decrease in lowest-price silver plan
Will see net premium increase in lowest-price silver plan
72% 28%
+$108
-$89
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times. Reduction in number of existing carriers due to 2 instances of a carrier with 2 filing names in 2014 now filing under 1 name in 2015
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
-$79
Maximum increaseMaximum decrease $
Indiana
04 05CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 4 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
Range across rating areas in state
New entrants in 2015
2.0x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
+10%-23%
-25%
-27%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan46%
53% McKinsey Center for U.S. Health System Reform
+8%
More plans offered compared to 2014
+10%
+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times.
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+$100
Incumbents from2014 (of 4 total)
+13%
+13%
+13%
Iowa
04 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.0x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-18%
-18%
-14%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
81% 19%
+$373
-$119
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times
2015
2014
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019.
Last updated November 19, 2019.
Incumbents from2014 (of 4 total)
Kansas
04 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
0.8x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-11%
-13% +2%
+11%
+19%
-1%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
7% 93%
+$34
-$254
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
Maximum increaseMaximum decrease $Range across rating areas in state
Kentucky
03 02CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 3 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.3x
Lowest-pricebronze plans
Lowest-pricesilver plans
+9%
+18%
+14%-17%
-9%
-19%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
43% 56% McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times.
2015
2014
2015
2014
+$783
-$160
2nd lowest-price silverplans
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019.
Last updated November 19, 2019.
Incumbents from2014 (of 5 total)
+9%
+6%
Louisiana
05 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.3x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-3%
+8%
-2%
-6%Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
41% 55%
+$207
-$119
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
-$44
+$65
Maine
02 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 2 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.4x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans +1%
-3%
-4%
-7%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan50%
48% McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times.
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
-$54
Maryland
05 02CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 6 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
Range across rating areas in state
New entrants in 2015
1.4x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
+14%
+7%
+7%
-22%
-1%
-2%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
49% McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
+$81
Maximum increaseMaximum decrease $
+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times. Reduction in number of existing carriers due to an instance of a carrier with multiple filing names in 2014 now filing under 1 name in 2015.
-1%51%
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
Incumbents from2014 (of 10 total)
Massachusetts
09 02CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.1x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
72% 28%
+$255
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.SOURCE: Individual market exchange information available through state and federal exchanges
with active window shopping as of November 13, 2014. Last updated November 14, 2014
+7%
+10%-$213
2015
2014
-3%
-14%
-6%
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
+13%
+7%
Michigan
10 04CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 10 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
2.0x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-2%
-3%
-6%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
99% 1%
+$283
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times.
-$65
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+15%
Incumbents from2014 (of 5 total)
Minnesota
04 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.6x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
85% 15%
+$195
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.SOURCE: Individual market exchange information available through state and federal exchanges
with active window shopping as of November 13, 2014. Last updated November 14, 2014
+26%
+43%
+25%
-$205
2015
2014
-8%
-2%
-8%
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Mississippi
02 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 2 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.8x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-33%
-24%
-26%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest-price silver plan
78% 21%
+$325
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
-$105
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
+6%
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 4 total)
Missouri
04 03CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.3x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
52% 45% McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
+18%
+18%
+23%
-6%
-10%
-12%
2015
2014
2015
2014
+$70
-$96
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 3 total)
+3%
Montana
03 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.5x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-3%
-8%
-8%
Will see net premium decrease in lowest-price silver plan
Will see net premium increase in lowest-price silver plan
78% 22%
+$61
-$73
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 4 total)
+13%
+17%
Nebraska
03 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.0x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans -3%
+17%Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
100% 0%
+$96
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019.
Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Maximum increaseMaximum decrease $
Nevada
04 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 4 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.3x
Lowest-pricebronze plans
Lowest-pricesilver plans +1%
+10%
-5%
-7%
-18%
Will see net premium decreasein lowest-price silver plan
Will see net premium increase in lowest- price silver plan78%
22% McKinsey Center for U.S. Health System Reform
Range across rating areas in state
+$39
More plans offered compared to 2014
-$33
2nd lowest-price silver plans
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 1 total)
New Hampshire
01 04CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
3.8x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-17%
-18%
-15%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
0% 100% -$147
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 3 total)
New Jersey
03 02CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.9x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
+2%
-1%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
100% 0%
+$153
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 4 total)
New Mexico
04 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.2x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans -12%
-11%
-14%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
77% 23%
+$64
-$170
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Maximum increaseMaximum decrease $Range across rating areas in state
New York
18 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 19 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.1x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
+11%
+6%
+13%
-2%
-11%Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan73%
27% McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
-$324
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
+$106
Incumbents from2014 (of 2 total)
+16%
North Carolina
02 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.5x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-14%
-16%
+21%
+21%
-14%
Will see net premium decrease in lowest-price silver plan
Will see net premium increase in lowest-price silver plan
39% 60%
+$69
-$78
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 3 total)
+7%
+8%
North Dakota
03 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.2x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-1%
+7%Will see net premium decrease in lowest-price silver plan
Will see net premium increase in lowest-price silver plan
34% 66%
+$66
-$55
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
+13%
+12%
Ohio
11 05CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 12 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.8x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-22%
-4%
-8%
Will see net premium decrease in lowest-price silver plan
Will see net premium increase in lowest-price silver plan
63% 37%
+$148
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
+17%-$53
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times. Reduction in number of existing carriers due to 2013 acquisition.
Incumbents from2014 (of 6 total)
+22%
+15%
Oklahoma
03 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
0.8x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans -2%
+11%-7%Will see net premium decrease in lowest-price silver plan
Will see net premium increase in lowest-price silver plan
9% 90%
+$71
-$103
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Maximum increaseMaximum decrease
Range across rating areas in state
Oregon
10 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 11 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.1x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- pricesilver plan
99% 1%
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
+10%
+10%
+9%
$
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
-$1
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
+$139
Incumbents from2014 (of 10 total)
+16%
+16%
+16%
Pennsylvania
10 03CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.2x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-8%
-1%
-11%
Will see net premium decrease in lowest-price silver plan
Will see net premium increase in lowest-price silver plan
83% 17%
+$272
-$80
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
-5%
-11%
-12%
Maximum increaseMaximum decrease $
Rhode Island
02 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 2 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
Range across rating areas in state
New entrants in 2015
2.0x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
Will see net premium decrease in lowest-price silver plan
Will see net premium increase in lowest- price silver plan83%
17% McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
2015
2014
-$249
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019.
Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
+$102
Incumbents from2014 (of 4 total)
+3%
+8%
South Carolina
04 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
2.2x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-17%
-6% +5%
-6%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
35% 65%
+$110
-$67
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 3 total)
South Dakota
03 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.2x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-9%
-15%
-15%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
93% 6%
+$103
-$214
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
+1%
-7%
-6%
+16%
+15%
+10%
Maximum increaseMaximum decrease $
Tennessee
04 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 4 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.5x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan63%
36% McKinsey Center for U.S. Health System Reform
Range across rating areas in state
Plans offered compared to 2014
2015
2014
-$18
+$60
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019.
Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
-7%
Incumbents from2014 (of 12 total)
+26%
+17%
Texas
11 03CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.5x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-6% +16%
-4%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
88% 12%
+$162
-$40
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 6 total)
+10%
Utah
06 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.2x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-3%
+3%
+14%Will see net premium decrease in lowest-price silver plan
Will see net premium increase in lowest-price silver plan
92% 6%
+$148
-$67
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Maximum increaseMaximum decrease $
-$16
Virginia
08 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 8 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Range across rating areas in state
New entrants in 2015
1.1x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
+12%
+8%
+6%
-3%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan99%
1% +$73
McKinsey Center for U.S. Health System Reform
Weighted averageannual change*
More plans offered compared to 2014
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Maximum increaseMaximum decrease $
Vermont
02 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 2 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
0.9x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans +6%
+8%
+7%
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
100% 0%
McKinsey Center for U.S. Health System Reform
Range across rating areas in state
+$153
More plans offered compared to 2014
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
+4%-9%
-19%
-10%
Maximum increaseMaximum decrease $
-$189
Washington
08 02CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
Incumbents from2014 (of 8 total)
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.6x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan35%
64% +$181
McKinsey Center for U.S. Health System Reform
Range across rating areas in state
More plans offered compared to 2014
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 2 total)
+9%
+9%
+9%
West Virginia
01 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.2x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
Will see net premium decrease in lowest- price silver plan
Will see net premium increase in lowest- price silver plan
100% 0%
+$60
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times. Reduction in number of existing carriers due to an instance of a carrier with multiple filing names in 2014 now filing under 1 name in 2015..
Incumbents from2014 (of 13 total)
+9%
+8%
+7%
Wisconsin
13 02CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
1.3x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
-15%
-8%
-10%
Will see net premium decrease in lowest-price silver plan
Will see net premium increase in lowest-price silver plan
51% 47%
+$125
-$112
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
Incumbents from2014 (of 2 total)
+8%
Wyoming
02 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES
2015 filed carriers across state+ Total across state
Subsidy-eligible population across state*
Weighted averageannual change*
New entrants in 2015
2.4x
Lowest-pricebronze plans
Lowest-pricesilver plans
2nd lowest-pricesilver plans
+10%
+10%
Will see net premium decrease in lowest-price silver plan
Will see net premium increase in lowest-price silver plan
100% 0%
+$222
McKinsey Center for U.S. Health System Reform
More plans offered compared to 2014
Range across rating areas in stateMaximum increaseMaximum decrease $
*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.
2015
2014
SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.
+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times
McKinsey Center for U.S. Health System Reform
Appendix
To understand how carrier participation is changing exchange competitive dynamics, we compared the carriers competing on the exchanges in 2014 and 2015.
The carrier count represents the number of unique carriers offering products in at least one county within a state. (Not all carriers offer products in every county within a state.) Carrier count is as it appears to consumers shopping on exchanges. Specifically, the count is the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times.
“Incumbents from 2014” represents the number of carriers that filed exchange plans in a given state in both 2014 and 2015.
“Of XX total” represents the number of 2014 exchange carriers in a given state. (If that number is greater than the number of incumbents filing in 2015, one or more incumbents left that state’s exchange market in 2015.)
“New entrants in 2015” represents the number of carriers filing 2015 exchange plans that did not participate in 2014.
How to read the charts
00 00CARRIER EXCHANGE PARTICIPATION
To understand how consumers’ choice of products is changing, we compared the number of exchange products offered in 2014 and 2015.
“Total across state” was calculated by determining the total number of plans (in all metals levels) in each rating area and then adding those numbers together.
“Plans offered compared to 2014” represents the difference between the total number of 2015 exchange plans offered in a given state and all 2014 exchange plans offered in that same state; plans were counted uniquely at a rating area level (i.e., each plan in each rating area counts as 1).
On the summary slide (“By the Numbers”), this difference represents an average of each state's 2014 vs. 2015 total exchange product offerings.
How to read the charts2015
2014
EXCHANGE PRODUCT OFFERINGS
PREMIUM CHANGES FROM 2014
+14%-19%
-17%
-21% +15%
+13%
How to read the charts
IMPACT OF PREMIUM CHANGES
McKinsey Center for U.S. Health System Reform
To understand how consumers’ choice of products is changing, we compared the number of exchange products offered in 2014 and 2015.
“Total across state” was calculated by determining the total number of plans (in all metals levels) in each rating area and then adding those numbers together.
“Plans offered compared to 2014” represents the difference between the total number of 2015 exchange plans offered in a given state and all 2014 exchange plans offered in that same state; plans were counted uniquely at a rating area level (i.e., each plan in each rating area counts as 1).
On the summary slide (“By the Numbers”), this difference represents an average of each state's 2014 vs. 2015 total exchange product offerings.
To understand how premium price changes impact affordability, we calculated the premium price change in the lowest-price bronze, lowest-price silver, and second-lowest-price silver plans available in every rating area within a given state between 2014 and 2015. In both years, we used the gross per member per month (PMPM) premium price (before any subsidies) for a 40-year-old non-smoker.“Maximum decrease / increase” represents the maximum percentage change in premiums across all rating areas in a given state, for each specified price point (i.e., lowest-price bronze, lowest-price silver, and second-lowest-price silver plans). (On the summary slide, it represents the maximum change across all rating areas in all states analyzed.)Each percentage represents a premium price change in one specific rating area (whichever rating area has the maximum decrease or maximum increase across the entire state). It does not represent premium changes seen across the entire state.
+$19
-$22
How to read the charts
PREMIUM CHANGES FROM 2014
38% 62%
Appendix
To understand the net premium changes that subsidy-eligible individuals will face, we calculated the weighted average change in net premiums between 2014 and 2015 for the lowest-price silver plan in each rating area. We assumed that all individuals will redetermine their subsidy eligibility in 2015.First, we established a distribution of subsidy-eligible individuals (at a household level) in each rating area, using public sources (Census Bureau, ACS, SAHIE).Next, we combined this population distribution with data about 2014 and 2015 lowest-price silver plan net premiums, calculating per member per month net premiums at a household level. To estimate net premiums, we used income level and household size to determine the relative premium cap for each household unit. Then, we calculated the second-lowest-price silver premium based on the median age for each age bucket combined with household size to determine relative subsidy, and applied that to the lowest-price silver to calculate net premium of the lowest-price silver plan. Finally, we used the 2014 and 2015 net premiums to calculate weighted average rate changes for the 51 states individually and collectively.
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