Insurance Premiums Vary Widely From State to
FRIDAY, Aug. 12 (HealthDay News) -- Monthly premiums for
individual health insurance average $215 a person in the United
States, but vary widely from state to state, a new report says.
In 2010, the average per-person premium ranged from about $136 a
month in Alabama to more than $400 a month in Massachusetts and
Vermont, according to an analysis from the non-profit Kaiser Family
The foundation said the findings from the examination of data
from insurer filings to the National Association of Insurance
Commissioners offers consumers and policymakers a baseline to gauge
the affordability of health insurance prior to full implementation
of national health reform in 2014.
Some of the state-to-state variability in premiums is due to the
fact that some states have already instituted reforms that enable
people with pre-existing health conditions to buy coverage, while
other states permit insurers to deny coverage to people with
Starting in 2014, insurers will no longer be able to deny
coverage for pre-existing conditions or be able to charge people
with illnesses substantially higher premiums due to the Affordable
Other reasons for the wide differences in premiums include: an
area's cost of living, health care costs, demographics and
regulatory requirements, along with plans' benefits, cost-sharing
structure and effectiveness of cost-control measures, the Kaiser
Family Foundation said in a news release.
The American Academy of Family Physicians has more about
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