Open Enrollment 2020-2021

The ultimate state-by-state guide

Open enrollment is a vital time for anyone shopping for individual health insurance. Below, we have made a comprehensive list of open enrollment details for each state to help make your open enrollment experience as smooth as possible.

 

When is 2021 Open Enrollment?

In 2021, open enrollment for most states is from November 1 to December 15. Many insurance companies are expanding their service area to more counties, and average premium rates are stable. Over half of rates will have between a two percent decrease and a six percent increase.

(Outside of the open enrollment season, you must experience a qualifying life event to trigger a special enrollment period.)

In this guide, we’ll share everything you need to know about open enrollment in your state, including:

  • The marketplace website
  • Open enrollment dates
  • Participating insurance companies
  • Average rates
  • Upper income limits for premium subsidies
  • Relevant HRA information
  • Enrollment statistics from 2020

Skip to your state by letter

2020 individual insurance open enrollment by state

A

Where do I shop for insurance in Alabama?

Alabama residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Alabama?

November 1, 2020 - December 15, 2020

Outside of that window, Alabama residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Alabama

  • Blue Cross Blue Shield of Alabama
  • Bright Health

 

What are the 2021 insurance rates for Alabama?

The benchmark monthly premium rate for 2021 increased 7.0% from 2020 to $484.

The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Alabama?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation.
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Alabama health insurance?

  • Individual health insurance. 159,820 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 95 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 957,116 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 1,059,950 beneficiaries of Medicare in Alabama.

 

Alabama health insurance resources

Where do I shop for insurance in Alaska?

Residents enroll through the federal exchange: HealthCare.gov.

 

When is open enrollment for Alaska?

November 1, 2020 - December 15, 2020

Outside of that window, Alaska residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Alaska

  • Premera
  • Moda

 

What are the 2021 insurance rates for Alaska?

The benchmark monthly premium rate for 2021 decreased 2.0% from 2020 to $552.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

What are the best HRA options in Alaska?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Alaska health insurance?

  • Individual health insurance. 17,730 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 84 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 231,145 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 104,734 beneficiaries of Medicare in Alaska.

 

Alaska health insurance resources

Where do I shop for insurance in Arizona?

Arizona residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Arizona?

November 1, 2020 - December 15, 2020

Outside of that window, Arizona residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Arizona

  • Blue Cross Blue Shield of Arizona - has plans available statewide
  • Health Net of Arizona (aka Ambetter from Arizona Complete Health)
  • Cigna
  • Oscar
  • Bright Health

 

What are the 2021 insurance rates for Arizona?

The benchmark monthly premium rate for 2021 decreased 2.0% from 2020 to $357.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Arizona?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation.
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Arizona health insurance?

  • Individual health insurance. Over 153,000 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 81 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 1,839,932 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 1,358,629 beneficiaries of Medicare in Arizona.

 

Arizona health insurance resources

Where do I shop for insurance in Arkansas?

Arkansas residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Arkansas?

November 1, 2020 - December 15, 2020

Outside of that window, Arkansas residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Arkansas

  • Arkansas Blue Cross Blue Shield - aka USAble Mutual)
  • Ambetter - aka Celtic/Centene
  • Health Advantage - New
  • Oscar - New

 

What are the 2021 insurance rates for Arkansas?

The benchmark monthly premium rate for 2021 decreased 2.0% from 2020 to $323.

The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Arkansas?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation.
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Arkansas health insurance?

  • Individual health insurance. 64,601 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 88 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 830,467 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 645,420 beneficiaries of Medicare in Arkansas.

 

Arkansas health insurance resources

C

Where do I shop for insurance in California?

California residents use the Covered California state-based exchange.

 

When is open enrollment for California?

California has permanently adopted a 3-month open enrollment schedule that takes place:

November 1, 2020 - January 31, 2021

People who enroll by December 15 will begin coverage on January 1. Those who enroll between December 16 and January 31 will begin coverage on February 1.

People who lose their jobs to or are affected by California’s wildfires can enroll any time through the end of 2020.

 

Participating insurance carriers in California

California has one of the largest number of carriers in the individual market with 11 insurance companies participating this year. California is divided into 19 pricing regions, and 88% of Covered California consumers will have at least three health insurance companies to choose from in their region. Anthem and Oscar are expanding their coverage areas this year, which means people in these areas will have more choices.

The following carriers offer individual insurance plans on the California state exchange:

  • Anthem Blue Cross of California (expanding to cover Imperial, Inyo, Kern, Mono, and Orange counties)
  • Blue Shield of California
  • Chinese Community Health Plan
  • Health Net
  • Kaiser Permanente
  • L.A. Care Health Plan
  • Molina Healthcare
  • Oscar Health Plan of California (expanding to cover San Mateo County)
  • Sharp Health Plan
  • Valley Health Plan
  • Western Health Advantage

 

What are the 2021 insurance rates for California?

The projected average monthly premium rate for 2021 increased 0.5% from 2020 to $573

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

 

What are the best HRA options in California?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

Some independent contractors are now eligible for benefits from their employer

In 2020, a new California law reclassified many independent contractors as employees, which makes them eligible for labor law protections, including minimum wage ($12/hour in California), worker’s compensation, employer contributions to Social Security and Medicare (FICA taxes), and overtime pay. Newly reclassified employees are also eligible for health benefits from applicable large employers (ALEs).

Note that organizations will generally be able to use the look-back method to determine if newly reclassified workers are working full-time. They will have up to a year to make the determination and begin offering coverage to employees who work over 30 hours per week. The look-back method is only available for employees who have seasonal or variable hours (these typically include employees who schedule their own work time).

 

Does California cap prescription costs?

In 2016, Covered California passed a price cap on high-cost specialty drugs, like those needed for HIV, AIDS, Diabetes, Hepatitis C and other chronic conditions. The cap means that most consumers will not pay more than $250/month for these medications. These caps apply to plans purchased both on and off the exchange.

What are the enrollment statistics for California health insurance

  • Individual health insurance. Over 1521,000 residents enrolled in individual insurance through the CoveredCA exchange during the open enrollment period. Of these, roughly 85 percent receive premium subsidies.
  • Medicaid and CHIP. As of May 2020, 11,847,711 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 6,419,004 beneficiaries of Medicare in California.

California passed an individual mandate in 2019 that took effect in 2020. According to U.S. Census data, the uninsured rate in California has dropped from 17.2 percent in 2013 to just 7.2 percent in 2018.

The state offers premium tax credits to people earning between 400 and 600 percent of the poverty level (that is, people who aren’t eligible for federal premium subsidies) and also offers assistance to people with income between 200 and 400 percent of the poverty level (those who are eligible for federal premium subsidies). See this article for more information. In 2021, the upper income limit for subsidies is projected to be $75,000 for an individual and $154,500 for a family of four.

 

California health insurance resources

Where do I shop for insurance in Colorado?

Colorado residents use the state-based exchange: ConnectforHealthColorado.

 

When is open enrollment for Colorado?

November 1, 2020 - January 15, 2020

Enrollments completed by December 15, 2020 will have coverage effective January 1, 2021. Enrollments completed between December 16 and January 15 will have coverage effective February 1, 2021.

Outside of that window, Colorado residents with qualifying life changes can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Colorado

  • Anthem
  • Kaiser
  • Bright
  • Cigna - adding plans for El Paso, Larimer, Teller, and Weld counties
  • Friday Health Plans
  • Rocky Mountain Health Plans - adding plans for 12 additional counties
  • Denver Health
  • Oscar - adding plans for the Boulder area

 

What are the 2021 insurance rates for Colorado?

The projected average monthly premium rate for 2021 decreased 1.42% from 2020 to $482

This compares favorably to the 4% average increase to traditional group health insurance in 2020.

 

What are the best HRA options in Colorado?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Colorado health insurance?

  • Individual health insurance. Nearly 167,000 residents enrolled in health insurance plans through Connect for Health Colorado during the open enrollment period. Of these, roughly 74 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of June 2020, 1,337,805 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 938,854 beneficiaries of Medicare in Colorado.

 

Colorado health insurance resources

Where do I shop for insurance in Connecticut?

Connecticut residents use the state-based exchange: Access Health CT.

 

When is open enrollment for Connecticut?

November 1, 2020 - January 15, 2021

Outside of that window, Connecticut residents with qualifying life event can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Connecticut

  • Anthem
  • Connecticare Benefits

 

What are the 2021 insurance rates for Connecticut?

The projected average monthly premium rate for 2021 remained flat at $684

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

 

What are the best HRA options in Connecticut?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Connecticut health insurance?

  • Individual health insurance. Nearly 107,833 residents enrolled in health insurance plans through Access Health CT during the open enrollment period. Of these, roughly 70 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of June 2020, 874,974 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 690,397 beneficiaries of Medicare in Connecticut.

 

Connecticut health insurance resources

D-F

Where do I shop for insurance in Delaware?

Delaware’s exchange is a partnership between the state and the HHS, with residents enrolling through: HealthCare.gov.

 

When is open enrollment for Delaware?

November 1, 2020 - December 15, 2020

Outside of that window, Delaware residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Delaware

  • Highmark

 

What are the 2021 insurance rates for Delaware?

The benchmark monthly premium rate for 2021 decreased 2.0% from 2020 to $442.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Delaware?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Delaware health insurance?

  • Individual health insurance. 23,981 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 86 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 239,009 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 214,191 beneficiaries of Medicare in Delaware.

 

Delaware health insurance resources

Where do I shop for insurance in Washington D.C.?

Washington D.C. residents use the state-based exchange: DC Health Link.

 

When is open enrollment for Washington D.C.?

November 1, 2020 - January 31, 2021

Residents must enroll by December 15th for coverage to start January 1st, by January 15 for coverage to start February 1st, and by January 31 for coverage to start March 1st.

Outside the Open Enrollment Period, you generally can enroll in a health insurance plan if you have a qualifying life event.

 

Participating insurance carriers in Washington D.C.

  • Group Hospitalization and Medical Services (CareFirst PPO)
  • CareFirst Blue Choice (CareFirst HMO)
  • Kaiser of the Mid-Atlantic States

 

What are the 2021 insurance rates for Washington D.C.?

The projected average monthly premium rate for 2021 increased .17% from 2020 to $535

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

 

What are the best HRA options in Washington D.C.?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Washington D.C. health insurance?

  • Individual health insurance. 16,245 residents enrolled in health insurance plans through DC Health Link during 2020 open enrollment. Of these, roughly 6 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of June 2020, 248,591 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 94,135 beneficiaries of Medicare in Washington D.C.

 

Washington D.C. health insurance resources

Where do I shop for insurance in Florida?

Florida uses the federal health insurance marketplace. Residents enroll through: HealthCare.gov.

 

When is open enrollment for Florida?

November 1, 2020 - December 15, 2020

Outside of that window, Florida residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Florida

  • AvMed - New
  • Blue Cross Blue Shield of Florida
  • Bright Health
  • Cigna
  • Florida Blue HMO
  • Florida Health Care Plan Inc.
  • Ambetter
  • Molina
  • Health First Health Plans
  • Oscar Health

 

What are the 2021 insurance rates for Florida?

The benchmark monthly premium rate for 2021 decreased 3% from 2020 to $374.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Florida?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Florida health insurance?

  • Individual health insurance. Over 1.9 million Floridians enrolled in exchange plans for 2021 giving Florida the highest exchange enrollment nationwide. Roughly 96 percent of Florida residents using the exchange receive premium subsidies. For 2021, the upper income limit is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid/CHIP. 3,823,393 residents were enrolled in Medicaid/CHIP as of May 2020. Florida chose not to expand Medicaid to include low-income, non-elderly, non-disabled adults without children, leaving an estimated 391,000 people in the coverage gap, where they don’t qualify for Medicaid or for tax subsidies to help them afford private health insurance.
  • Medicare. As of August 2020, there were more than 4.6 million Florida residents enrolled in Medicare.

 

Key insurance legislation and protection in Florida

Florida’s balance billing protections are among the nation’s strongest. Insurers must cover emergency care at in-network rates, whether or not the providers are in-network or the patient could choose another provider.

“Balance bills” primarily occur in two circumstances:

  1. When an enrollee receives emergency care either at an out-of-network facility or from an out-of-network provider
  2. When an enrollee receives elective nonemergency care at an in-network facility but is inadvertently treated by an out-of-network healthcare provider.

 

Florida health insurance resources

  • Florida Consumer Action Network (FCAN). A grassroots organization which empowers citizens to influence public policy by organizing and educating in areas where consumer voices are underrepresented.
  • Florida Kid Care. Insurance resources for children up to the age of 18.
  • FloridaHealthFinder.gov. Administrator of the Florida Medicaid program, licensure and regulation of Florida’s health facilities, and information provider to Floridians about the quality of care they receive.
  • KindHealth. Makes shopping for health plans easy.
G-H

Where do I shop for insurance in Georgia?

Georgia residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Georgia?

November 1, 2020 - December 15, 2020

Outside of that window, Georgia residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Georgia

  • Alliant
  • Ambetter from Peach State Health Plan - aka Centene
  • Blue Cross Blue Shield Healthcare Plan of Georgia
  • Kaiser
  • Oscar - New
  • CareSource - New

 

What are the 2021 insurance rates for Georgia? 

The benchmark monthly premium rate for 2021 increased 2.0% from 2020 to $373.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

What are the best HRA options in Georgia?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation.
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Georgia health insurance?

  • Individual health insurance. Over 464,000 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 91 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 1,928,703 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 1,768,624 beneficiaries of Medicare in Georgia.

 

Georgia health insurance resources

Where do I shop for insurance in Hawaii?

The state oversees all plans sold, but Hawaii residents use the federal exchange to enroll: HealthCare.gov.

 

When is open enrollment for Hawaii?

November 1, 2020 - December 15, 2020

Outside of that window, Hawaii residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Hawaii

  • HMSA
  • Kaiser

 

What are the 2021 insurance rates for Hawaii?

The benchmark monthly premium rate for 2021 increased 2.0% from 2020 to $388.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

What are the best HRA options in Hawaii?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Hawaii health insurance?

  • Individual health insurance. 20,169 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 83 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 351,337 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 280,662 beneficiaries of Medicare in Hawaii.

 

Hawaii health insurance resources

I

Where do I shop for insurance in Idaho?

Idaho residents use the state-based exchange: Your Health Idaho.

 

When is open enrollment for Idaho?

November 1, 2020 - December 15, 2020

Outside the Open Enrollment Period, you generally can enroll in a health insurance plan if you have a qualifying life event.

 

Participating insurance carriers in Idaho

  • Blue Cross of Idaho
  • Mountain Health CO-OP
  • PacificSource
  • Select Health
  • Regence BlueShield of Idaho - New

 

What are the 2021 insurance rates for Idaho?

The projected average monthly premium rate for 2021 increased 1.2% from 2020 to $531

This is a small increase compared to the 4% average increase traditional group health insurance saw in 2020.

 

What are the best HRA options in Idaho?

Using a health reimbursement arrangement (HRA) Employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Idaho health insurance?

  • Individual health insurance. Over 89,000 residents enrolled in health insurance plans through Your Health Idaho during 2020 open enrollment. Of these, roughly 86 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of June 2020, 340,742 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 346,684 beneficiaries of Medicare in Idaho.

 

Idaho health insurance resources

Where do I shop for insurance in Illinois

Illinois residents will shop for health insurance at HealthCare.gov.

The state runs the Get Covered Illinois website, which offers resources and assistance to residents who need help shopping for an insurance plan.

 

When is open enrollment for Illinois?

November 1, 2020 - December 15, 2020

Outside of that window, Illinois residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Illinois

  • Celtic Insurance Co. (Ambetter)
  • Bright Health (New)
  • Health Alliance Medical Plans, Inc. (HAMP)
  • Health Care Service Corporation, (HCSC, Blue Cross Blue Shield of Illinois)
  • Cigna
  • Gunderson/Quartz/Unity (renamed Quartz Health Benefit Plans Corporation as of 2020)

 

What are the 2021 insurance rates for Illinois?

The benchmark monthly premium rate for 2021 decreased 6.0% from 2020 to $346.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Illinois?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Illinois health insurance?

  • Individual health insurance. 294,263 people enrolled in qualified health plans (QHPs) through the Illinois health insurance marketplace during the open enrollment period. Of these, roughly 85 percent of Illinois residents using the exchange receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. These programs cover about 23 percent of the state’s 12.5 million residents. As of April 2020, about 20 percent of those covered are eligible because of the Medicaid expansion through the Affordable Care Act (607,408 residents).
  • Medicare. As of August 2020, there were 2,269,090 beneficiaries of Medicare in Illinois, about 18 percent of the state’s population.

 

Key health insurance legislation and protection in Illinois

Expanded mammogram coverage took effect in January 2020. SB162 requires insurers to continue to fully cover screening mammograms as federal law requires for preventative treatment, but expands coverage to include breast ultrasounds and MRIs for women with dense breast tissue or women whose doctor believes the ultrasound or MRI is medically necessary. Insurers must also fully cover diagnostic mammograms, which are used when an abnormality is detected.

 

Illinois health insurance resources

Where do I shop for insurance in Indiana?

Indiana residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Indiana?

November 1, 2020 - December 15, 2020

Outside of that window, Indiana residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Indiana

  • CareSource
  • Celtic - aka MHS/Ambetter
  • Anthem

 

What are the 2021 insurance rates for Indiana?

The benchmark monthly premium rate for 2021 decreased 2.0% from 2020 to $341.

 The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Indiana?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Indiana health insurance?

  • Individual health insurance. Over 141,000 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 71 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 1,602,976 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 1,280,707 beneficiaries of Medicare in Indiana.

 

Indiana health insurance resources

Where do I shop for insurance in Iowa?

Iowa has a state-run exchange, but residents enroll through the federal exchange: HealthCare.gov.

 

When is open enrollment for Iowa?

November 1, 2020 - December 15, 2020

Outside of that window, Iowa residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Iowa

  • Medica
  • Oscar - New
  • Wellmark

 

What are the 2021 insurance rates for Iowa?

The projected average monthly premium rate for 2021 decreased 0.2% from 2020 to $818

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

The benchmark monthly premium rate for 2021 decreased a whopping 29% from 2020 to $429.*

This is in stark contrast to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Iowa?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Iowa health insurance?

  • Individual health insurance. 54,596 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 91 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 699,741 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 637,393 beneficiaries of Medicare in Iowa.

 

Iowa health insurance resources

K-L

Where do I shop for insurance in Kansas?

Kansas residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Kansas?

November 1, 2020 - December 15, 2020

Outside of that window, Kansas residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Kansas

  • Medica
  • Blue Cross Blue Shield of Kansas
  • Sunflower State Health Plan/Ambetter from Sunflower Health - aka  Centene
  • Oscar
  • Cigna

 

What are the 2021 insurance rates for Kansas?

The benchmark monthly premium rate for 2021 decreased 5% from 2020 to $391.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

What are the best HRA options in Kansas?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Kansas health insurance?

  • Individual health insurance. 85,880 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 89 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 401,103 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 545,781 beneficiaries of Medicare in Kansas.

 

Kansas health insurance resources

Where do I shop for insurance in Kentucky?

Kentucky residents use the federal exchange, HealthCare.gov.

Note that next year the state is re-launching its state exchange, Kynect.

 

When is open enrollment for Kentucky?

November 1, 2020 - December 15, 2020

Outside of that window, Georgia residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Kentucky

  • Anthem
  • CareSource

 

What are the 2021 insurance rates for Kentucky?

The benchmark monthly premium rate for 2021 increased stayed flat from 2020 to $390.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Kentucky?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Kentucky health insurance?

  • Individual health insurance. 83,626 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 83 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 1,416,013 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 942,126 beneficiaries of Medicare in Kentucky.

 

Kentucky health insurance resources

Where do I shop for insurance in Louisiana?

Louisiana residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Louisiana?

November 1, 2020 - December 15, 2020

Outside of that window, Louisiana residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Louisiana

  • Blue Cross Blue Shield of Louisiana
  • HMO Louisiana (a subsidiary of Blue Cross Blue Shield of Louisiana)
  • Vantage Health Plan
  • Christus Health Plans

 

What are the 2021 insurance rates for Louisiana?

The benchmark monthly premium rate for 2021 decreased 8% from 2020 to $446.

The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Louisiana?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Louisiana health insurance?

  • Individual health insurance. 88,224 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 91 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 1,585,024 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 884,146 beneficiaries of Medicare in Louisiana.

 

Louisiana health insurance resources

M

Where do I shop for insurance in Maine?

Maine residents use the federal exchange to enroll: HealthCare.gov.

Note that the state plans to have its own exchange by Fall of 2021.

 

When is open enrollment for Maine?

November 1, 2020 - December 15, 2020

Outside of that window, Maine residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Maine

  • Anthem
  • Harvard Pilgrim
  • Maine Community Health Options

 

What are the 2021 insurance rates for Maine?

The benchmark monthly premium rate for 2021 decreased 14% from 2020 to $360.*

This is in stark contrast to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Maine?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Maine health insurance?

  • Individual health insurance. 62,213 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 86 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 232,455 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 346,777 beneficiaries of Medicare in Maine.

 

Maine health insurance resources

Where do I shop for insurance in Maryland?

Maryland residents use the state-based exchange: Maryland Health Connection.

 

When is open enrollment for Maryland?

November 1, 2020 - December 15, 2020

Outside of that window, Maryland residents with qualifying events can still enroll or make changes to their coverage for 2021.

Due to Covid, residents can enroll in 2020 plans through December 15, 2020.

 

Participating insurance carriers in Maryland

  • CareFirst Blue Choice 
  • CareFirst of Maryland Inc. (CFMI)
  • Kaiser
  • United Healthcare

 

What are the 2021 insurance rates for Maryland?

The projected average monthly premium rate for 2021 decreased 11.9% from 2020 to $445

This is in stark contrast to the 4% average increase that traditional group health insurance saw in 2020.

 

What are the best HRA options in Maryland?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Maryland health insurance?

  • Individual health insurance. 158,934 residents enrolled in qualified plans through Maryland Health Connection during the open enrollment period. Of these, roughly 82 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of June 2020, 1,372,695 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 1,056,436 beneficiaries of Medicare in Maryland.

 

Maryland health insurance resources

Where do I shop for insurance in Massachusetts?

Massachusetts residents use the state exchange Massachusetts Health Connector.

 

When is open enrollment for Massachusetts?

November 1, 2020 – January 23, 2021

Enroll by December 23, 2020 for coverage to start January 1, 2021. Enroll by January 23, 2021 for coverage to start February 1, 2021.

Outside of that window, Massachusetts residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Massachusetts

  • Fallon Community Health Plan
  • Health New England (HNE)
  • Tufts HMO
  • Tufts Health Public Plans
  • Blue Cross Blue Shield of Massachusetts (BCBSMA)
  • Harvard Pilgrim Health Care (HPHC)
  • UnitedHealthcare

 

What are the 2021 insurance rates for Massachusetts?

The projected average monthly premium rate for 2021 increased 7% from 2020 to $403

 

What are the best HRA options in Massachusetts?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation.
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Massachusetts health insurance?

  • Individual health insurance. Over 319,000 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 79 percent receive federal premium subsidies. Massachusetts provides additional subsidies for enrollees with income up to 300% of the Federal Poverty Level.
  • Medicaid and CHIP. As of May 2020, 1,616,404 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 1,351,586 beneficiaries of Medicare in Massachusetts.

 

Massachusetts health insurance resources

Where do I shop for insurance in Michigan?

Michigan oversees plans in the state, but residents enroll on the federal exchange: HealthCare.gov.

 

When is open enrollment for Michigan?

November 1, 2020 - December 15, 2020

Outside of that window, Michigan residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Michigan

  • Blue Care Network - the HMO subsidiary of Blue Cross Blue Shield of Michigan
  • Blue Cross Blue Shield of Michigan
  • McLaren Health Plan
  • Meridian
  • Molina
  • Oscar Health
  • Physicians Health Plan
  • Priority Health
  • Total Health Care USA

 

What are the 2021 insurance rates for Michigan?

The benchmark monthly premium rate for 2021 decreased 2.0% from 2020 to $285.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Michigan?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Michigan health insurance?

  • Individual health insurance. Over 264,000 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 86 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 2,439,425 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 1,059,950 beneficiaries of Medicare in Michigan.

 

Michigan health insurance resources

Where do I shop for insurance in Minnesota?

Minnesota residents use the state-based exchange: MNsure.

 

When is open enrollment for Minnesota?

November 1, 2020 - December 22, 2020

Outside of that window, Minnesota residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Minnesota

  • Blue Plus
  • Group Health/Health Partners (GHI)
  • Medica
  • Quartz - New
  • UCare

 

What are the 2021 insurance rates for Minnesota?

The projected average monthly premium rate for 2021 increased 2% from 2020 to $452

This is a small increase compared to the 4% average increase to traditional group health insurance in 2020.

 

What are the best HRA options in Minnesota?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation.
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Minnesota health insurance?

  • Individual health insurance. 139,078 residents enrolled in qualified plans through MNsure as of July 15, 2020. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of June 2020, 1,085,778 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 1,046,846 beneficiaries of Medicare in Minnesota.

 

Minnesota health insurance resources

Where do I shop for insurance in Mississippi?

Mississippi residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Mississippi?

November 1, 2020 - December 15, 2020

Outside of that window, Mississippi residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Mississippi

  • Molina
  • Ambetter/Magnolia

 

What are the 2021 insurance rates for Mississippi?

The benchmark monthly premium rate for 2021 decreased 6% from 2020 to $376.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

What are the best HRA options in Mississippi?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Mississippi health insurance?

  • Individual health insurance. 98,868 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 98 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 632,427 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 609,138 beneficiaries of Medicare in Mississippi.

 

Mississippi health insurance resources

  • Health Help Mississippi. Assists residents insured by private health plans, Medicaid, or other plans, as well as those who are uninsured.
  • KindHealth. Makes shopping for health plans easy.

Where do I shop for insurance in Missouri?

Missouri residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Missouri?

November 1, 2020 - December 15, 2020

Outside of that window, Missouri residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Missouri

  • Anthem - aka Healthy Alliance Life Insurance
  • Cigna
  • Ambetter/Celtic - aka Centene
  • Medica
  • SSM/WellFirst
  • Cox
  • OscarBlue KC - Blue Cross Blue Shield of Kansas City - New

 

What are the 2021 insurance rates for Missouri?

The benchmark monthly premium rate for 2021 decreased 2% from 2020 to $392.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Missouri?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Missouri health insurance?

  • Individual health insurance. Over 203,000 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 87 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 923,641 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 1,247,001 beneficiaries of Medicare in Missouri

 

Missouri health insurance resources

Where do I shop for insurance in Montana?

Montana residents use the federal exchange to enroll: HealthCare.gov.

 

When is open enrollment for Montana?

November 1, 2020 - December 15, 2020

Outside of that window, Montana residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Montana

  • Blue Cross Blue Shield of Montana
  • Montana Health CO-OP
  • PacificSource

 

What are the 2021 insurance rates for Montana?

The benchmark monthly premium rate for 2021 decreased 2% from 2020 to $387.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Montana?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Montana health insurance?

  • Individual health insurance. 44,005 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 85 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 247,333 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 237,162 beneficiaries of Medicare in Montana.

 

Montana health insurance resources

N

Where do I shop for insurance in Nebraska?

The state oversees certain aspects of plans, but Nebraska residents use the federal exchange to enroll: HealthCare.gov.

 

When is open enrollment for Nebraska?

November 1, 2020 - December 15, 2020

Outside of that window, Nebraska residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Nebraska

  • Bright Health
  • Medica

 

What are the 2021 insurance rates for Nebraska? 

The benchmark monthly premium rate for 2021 decreased 2% from 2020 to $573.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Nebraska?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Nebraska health insurance?

  • Individual health insurance. 90,951 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 95 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 254,159 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 353,755 beneficiaries of Medicare in Nebraska.

 

Nebraska health insurance resources

Where do I shop for insurance in Nevada?

Nevada residents use the state-based exchange: Nevada Health Link.

 

When is open enrollment for Nevada?

November 1, 2020 - January 15, 2021

For coverage beginning January 1, 2021 you must enroll by December 31, 2020. Coverage purchased by January 15 will start February 1. Outside the Open Enrollment Period, you generally can enroll in a health insurance plan only if you qualify for a Special Enrollment Period.

 

Participating insurance carriers in Nevada

  • Health Plan of Nevada
  • SilverSummit
  • HMO Nevada - aka Colorado/Anthem
  • SelectHealth - New
  • Friday Health Plans

 

What are the 2021 insurance rates for Nevada?

The projected average monthly premium rate for 2021 increased 4.9% from 2020 to $516

 

What are the best HRA options in Nevada?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Nevada health insurance?

  • Individual health insurance. Nearly 73,101 residents enrolled in health insurance plans through Nevada Health Link as of February 2020. Of these, roughly 84 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of June 2020, 685,073 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 546,598 beneficiaries of Medicare in Nevada.

 

Nevada health insurance resources

Where do I shop for insurance in New Hampshire?

The state oversees plans, but New Hampshire residents use the federal exchange to enroll: HealthCare.gov.

 

When is open enrollment for New Hampshire?

November 1, 2020 - December 15, 2020

Outside of that window, New Hampshire residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in New Hampshire

  • Ambetter/Celtic
  • Anthem
  • Harvard Pilgrim

What are the 2021 insurance rates for New Hampshire?

The benchmark monthly premium rate for 2021 decreased a whopping 18% from 2020 to $273.*

This is in stark contrast to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in New Hampshire?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for New Hampshire health insurance?

  • Individual health insurance. 44,496 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 72 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 193,436 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 306,948 beneficiaries of Medicare in New Hampshire.

 

New Hampshire health insurance resources

Where do I shop for insurance in New Jersey?

New Jersey launched its own state-based exchange this year: GetCoveredNJ.

 

When is open enrollment for New Jersey?

November 1, 2020 - January 31, 2020

Residents who enroll by December 31, will have coverage starting January 1. Residents who enroll in January, will have coverage starting February 1. Outside of that window, New Jersey residents with qualifying events can still enroll or make changes to their coverage for 2021.

Residents who chose auto-renewal for an existing plan will be automatically enrolled in the same health plan at open enrollment.

 

Participating insurance carriers in New Jersey

  • AmeriHealth
  • Oscar
  • Horizon

 

What are the 2021 insurance rates for New Jersey?

The projected average monthly premium rate for 2021 increased 4.1% from 2020 to $553

 

What are the best HRA options in New Jersey?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for New Jersey health insurance?

  • Individual health insurance. Over 227,000 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period of 2020. Roughly 78 percent of enrollees received subsidies.
  • Medicaid and CHIP. As of May 2020, 1,759,653 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 1,633,826 beneficiaries of Medicare in New Jersey.

 

What residents should know about GetCoveredNJ?

  • The legislation. The House bill enacting the program is A4389 and the Senate bill is S2676.
  • Individual mandate. The state will implement an individual mandate that is enforced via state taxes for those who aren’t exempt.
  • How New Jersey will use the ACA tax savings. About 1/3rd of the sayings from ACA taxes will be used for the state’s reinsurance program. The remaining 2/3rds will provide subsidies for residents in need. For the first year, it will be distributed equally among residents who are at or below 400% of the Federal Poverty Line. After 2021, subsidies will likely be redistributed to offer additional subsidies for those in heavier need. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Prescription caps. House bill A2431, enacted in January, places a cap on prescriptions prices of $150/month for most plans. Bronze plans have a cap of $250/month and there are exemptions for catastrophic plans and HSA-qualified plans.

 

New Jersey health insurance resources

 

Where do I shop for insurance in New Mexico?

New Mexico has a state-run exchange, but residents use the federal exchange to enroll: HealthCare.gov.

 

When is open enrollment for New Mexico?

November 1, 2020 - December 15, 2020

Outside of that window, New Mexico residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in New Mexico

  • Molina
  • Blue Cross Blue Shield of New Mexico
  • True Health
  • Friday Health Plans - New
  • Western Sky Community Care - New

 

What are the 2021 insurance rates for New Mexico? 

The benchmark monthly premium rate for 2021 decreased 2% from 2020 to $278.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in New Mexico?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for New Mexico health insurance?

  • Individual health insurance. 43,095 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 77 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 772,102 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 431,894 beneficiaries of Medicare in New Mexico.

 

New Mexico health insurance resources

Where do I shop for insurance in New York?

New York runs their own state-based marketplace called New York State of Health.

 

When is open enrollment for New York?

November 1, 2020 - January 31, 2021

As long as residents enroll by December 15, their coverage will begin on January 1. The deadline for a February 1 effective date is January 15, and individuals must purchase coverage by January 31 for a March 1 effective date.

For those looking to outside of open enrollment

  • Because of the Covid-19 pandemic, New Yorkers can enroll in 2020 individual health insurance plans through December 31, 2020.
  • Pregnancy has been a qualifying event in New York since 2016, allowing qualifying residents to change or enroll in private health plans.

 

Participating insurance carriers in New York

The following carriers offer individual insurance plans on the New York state exchange:

  • Capital District Physicians’ Health Plan (CDPHP)
  • Emblem - aka Health Insurance Plan of Greater New York
  • Health Plus HP - aka Empire
  • Excellus Health Plan
  • Fidelis - aka New York Quality Health Care Corp.
  • Healthfirst PHSP
  • HealthNow New York - aka BCBS of Western NY and Blue Shield of Northeastern NY
  • Independent Health Benefits Corporation
  • Metro Plus Health Plan
  • MVP Health Plan
  • Oscar
  • UnitedHealthcare of New York

Note that Healthfirst PHSP offers individual market plans only outside the exchange.

 

What are 2021 insurance rates for New York?

The projected average monthly premium rate for 2021 increased 1.8% from 2020 to $597

This compares favorablly to the 4% average increase traditional group health insurance saw in 2020.

Useful fact: New York does not allow individual or small group premiums to vary based on age or tobacco use. In contrast, premiums for individual and small group health coverage under the ACA can be up to 3 times higher for older enrollees versus younger enrollees, and up to 1.5 times higher for tobacco users.

 

What are the best HRA options in New York?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for New York health insurance?

Enrollment in NY State of Health – including QHPs (Qualified Health Plans), the Essential Plan, Medicaid, and Child Health Plus – reached more than 4.9 million by early February 2020, when open enrollment ended. Its state-run Essential Plan and Child Health Plus subsidized programs had initially led to a large decline in Medicaid/CHIP enrollees until the Covid pandemic led to a huge spike in enrollment.

  • Individual health insurance. 273,000 were enrolled in QHPs for 2020.
  • Essential plan. 797,000 people, as of February, 2020.
  • Child Health Plus. 451,550, as of February 2020.
  • Medicaid/CHIP. 6,263,164 were enrolled, as of August, 2020.
  • Medicare. 3.673,090 million New Yorkers were enrolled in Medicare as of August, 2020.

 

New York health insurance resources

Where do I shop for insurance in North Carolina?

North Carolina residents use the federal exchange: HealthCare.gov.

 

When is open enrollment for North Carolina?

November 1, 2020 - December 15, 2020

Outside of that window, North Carolina residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in North Carolina

  • Ambetter
  • Bright Health
  • Blue Cross Blue Shield of North Carolina
  • Cigna - adding coverage for 64 counties
  • Oscar - New
  • United Healthcare - New

 

What are the 2021 insurance rates for North Carolina?

The benchmark monthly premium rate for 2021 decreased 8% from 2020 to $423.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in North Carolina?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for North Carolina health insurance?

  • Individual health insurance. Over 505,000 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 93 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 1,851,558 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 2,029,697 beneficiaries of Medicare in North Carolina.

 

North Carolina health insurance resources

  • North Carolina Institute of Medicine (NCIOM). Helps shape health policy in North Carolina by identifying solutions to the state’s health challenges.
  • Health Insurance Smart NC. Assists people insured by private health plans, Medicaid, or other plans in resolving problems pertaining to their health coverage; assists uninsured residents with access to care.
  • Community Care of North Carolina. The largest and longest-running medical home system in the U.S., known nationwide for reducing healthcare costs while improving outcomes.
  • Legal Aid of North Carolina. A statewide, nonprofit law firm that provides free legal services in civil matters to low-income people in order to ensure equal access to justice and to remove legal barriers to economic opportunity.
  • KindHealth. Makes shopping for health plans easy.

 

Where do I shop for insurance in North Dakota?

Residents enroll through the federal exchange: HealthCare.gov.

 

When is open enrollment for North Dakota?

November 1, 2020 - December 15, 2020

Outside of that window, North Dakota residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in North Dakota

  • Medica
  • Blue Cross Blue Shield of North Dakota/Noridian
  • Sanford

 

What are the 2021 insurance rates for North Dakota?

The benchmark monthly premium rate for 2021 increased 19% from 2020 to $404.

The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in North Dakota?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for North Dakota health insurance?

  • Individual health insurance. 21,807 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 85 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 96,757 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 134,576 beneficiaries of Medicare in North Dakota.

 

North Dakota health insurance resources

O

Where do I shop for insurance in Ohio

Ohio residents will shop for health insurance on the federal exchange at: HealthCare.gov.

 

When is open enrollment for Ohio?

November 1, 2020 - December 15, 2020

Outside of that window, Ohio residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Ohio

  • AultCare
  • Ambetter - aka Buckeye Community Health Plan
  • CareSource
  • Community Insurance Company - aka Anthem BCBS
  • Medical Health Insuring Corp. of Ohio - aka Medical Mutual
  • Molina
  • Oscar Buckeye State Insurance Corporation
  • Oscar Insurance Corporation of Ohio
  • Paramount
  • Summa

 

What are the 2021 insurance rates for Ohio?

The benchmark monthly premium rate for 2021 decreased 3% from 2020 to $298.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Ohio?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Ohio health insurance?

  • Individual health insurance. Nearly 197,000 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 77 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 2,749,126 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program). Ohio has seen enrollment spike over 620,000 in the wake of the COVID pandemic.
  • Medicare. As of August 2020, there were 2,378,285 beneficiaries of Medicare in Ohio.

 

Ohio health insurance resources

Where do I shop for insurance in Oklahoma?

Oklahoma residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Oklahoma?

November 1, 2020 - December 15, 2020

Outside of that window, Oklahoma residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Oklahoma

  • Blue Cross Shield of Oklahoma - BCBSOK
  • Bright Health
  • Medica Insurance Company
  • Oscar Health - New
  • UnitedHealthCare (UHC) - New
  • CommunityCare Oklahoma (CCOK) - New

 

What are the 2021 insurance rates for Oklahoma?

The benchmark monthly premium rate for 2021 decreased 9% from 2020 to $454.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Oklahoma?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Oklahoma health insurance?

  • Individual health insurance. 158,986 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 95 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 797,220 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 751,324 beneficiaries of Medicare in Oklahoma.

 

Oklahoma health insurance resources

Where do I shop for insurance in Oregon?

Oregon has a state-run exchange, but residents use the federal exchange to enroll: HealthCare.gov.

 

When is open enrollment for Oregon?

November 1, 2020 - December 15, 2020

Outside of that window, Oregon residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Oregon

  • BridgeSpan
  • Kaiser
  • Moda
  • PacificSource
  • Providence
  • Regence - New

 

What are the 2021 insurance rates for Oregon?

The benchmark monthly premium rate for 2021 decreased 2% from 2020 to $357.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Oregon?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Oregon health insurance?

  • Individual health insurance. 146,009 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 74 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 1,053,931 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 885,102 beneficiaries of Medicare in Oregon.

 

Oregon health insurance resources

P-S

Where do I shop for insurance in Pennsylvania

In 2019 and 2020, residents enrolled for Pennsylvania’s state-based exchange via Healthcare.gov. This year, the state debuts its own state exchange: Pennie

GetInsured has a seven-year contract to run the exchange and call center.

 

When is open enrollment for Pennsylvania?

November 1, 2020 - January 15, 2021

December 15th is the last date residents can enroll for insurance that starts January 1st. January 15th is the last date residents can enroll for insurance that starts February 1st, 2021.

Outside of that window, Pennsylvania residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Pennsylvania

  • Capital Advantage Assurance
  • Geisinger Health Plan
  • Geisinger Quality Options
  • Highmark, Inc.
  • Highmark Benefits Group
  • Highmark Coverage Advantage
  • Keystone Health Plan East 
  • QCC Insurance Company 
  • UPMC Health Options 
  • PA Health and Wellness
  • Oscar Health

Highmark Choice Company is discontinuing its current plans. Residents who purchased Highmark Choice Company plans for 2020 will need to switch plans for 2021. There are about 3,720 residents enrolled in Highmark Choice Company 2020 plans.

 

What are the 2021 insurance rates for Pennsylvania?

The projected average monthly premium rate for 2021 decreased 3.27% from 2020 to $622

This compares favorably to the 4% average increase to traditional group health insurance in 2020.

 

What are the best HRA options in Pennsylvania?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation.
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Pennsylvania health insurance?

  • Individual health insurance. Over 333,000 residents enrolled in qualified health plans (QHPs) through Healthcare.gov for the Pennsylvania state exchange during the open enrollment period. Of these enrollees, roughly 87 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 3,030,681 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 2,773,770 beneficiaries of Medicare in Pennsylvania.

 

Pennsylvania health insurance resources

Where do I shop for insurance in Rhode Island?

Rhode Island residents use the state-based exchange: HealthSource RI.

 

When is open enrollment for Rhode Island?

November 1, 2020 – January 23, 2021

Enroll by December 23, 2020 for coverage to start January 1, 2021. Enroll December 24-31, 2020 for coverage to start some time in January. Enroll January 1-23, 2021 for coverage to start February 1, 2021.

Outside the Open Enrollment Period, you generally can enroll in a health insurance plan if you have a qualifying life event.

 

Participating insurance carriers in Rhode Island

  • Blue Cross Blue Shield of Rhode Island
  • Neighborhood Health Plan of Rhode Island

 

What are the 2021 insurance rates for Rhode Island?

The projected average monthly premium rate for 2021 decreased 4.17% from 2020 to $461

 

What are the best HRA options in Rhode Island?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Rhode Island health insurance?

  • Individual health insurance. Over 34,000 residents enrolled in health insurance plans through HealthSource RI during 2020 open enrollment. Of these, roughly 82 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of June 2020, 305,208 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 224,443 beneficiaries of Medicare in Rhode Island.

 

Rhode Island health insurance resources

Where do I shop for insurance in South Carolina?

South Carolina residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for South Carolina?

November 1, 2020 - December 15, 2020

Outside of that window, South Carolina residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in South Carolina

  • Ambetter/Absolute Total Care
  • Blue Cross Blue Shield of South Carolina
  • Bright Health
  • Molina

 

What are the 2021 insurance rates for South Carolina?

The benchmark monthly premium rate for 2021 decreased 6% from 2020 to $388.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in South Carolina?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for South Carolina health insurance?

  • Individual health insurance. 215,331 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 93 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 1,048,276 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 1,100,624 beneficiaries of Medicare in South Carolina.

 

South Carolina health insurance resources

Where do I shop for insurance in South Dakota?

Residents enroll through the federal exchange: HealthCare.gov.

 

When is open enrollment for South Dakota?

November 1, 2020 - December 15, 2020

Outside of that window, South Dakota residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in South Dakota

  • Avera
  • Sanford

 

What are the 2021 insurance rates for South Dakota?

The benchmark monthly premium rate for 2021 increased 4% from 2020 to $506.

The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in South Dakota?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation.
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for South Dakota health insurance?

  • Individual health insurance. 29,330 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 93 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 114,059 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 180,290 beneficiaries of Medicare in South Dakota.

 

South Dakota health insurance resources

T-V

Where do I shop for insurance in Tennessee?

Tennessee residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Tennessee?

November 1, 2020 - December 15, 2020

Outside of that window, Tennessee residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Tennessee

  • Blue Cross Blue Shield of Tennessee
  • Cigna
  • Oscar
  • Bright Health
  • Celtic/Ambetter
  • UnitedHealthcare

 

What are the 2021 insurance rates for Tennessee?

The benchmark monthly premium rate for 2021 decreased 10% from 2020 to $380.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Tennessee?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Tennessee health insurance?

  • Individual health insurance. Over 200,000 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 89 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 1,489,536 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 1,380,678 beneficiaries of Medicare in Tennessee.

 

Tennessee health insurance resources

Where do I shop for health insurance in Texas?

Residents enroll on the federal exchange at: HealthCare.gov

 

When is open enrollment for Texas?

November 1, 2020 - December 15, 2020

Outside of that window, Texas residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Texas

  • Celtic/Ambetter
  • Blue Cross Blue Shield of Texas
  • CHRISTUS
  • Friday Health Plans - New
  • Molina
  • Oscar
  • Sendero
  • SHA/FirstCare
  • Community Health Choice
  • Scott & White Health Plan - New

 

What are the 2021 insurance rates for Texas?

The benchmark monthly premium rate for 2021 stayed flat from 2020 at $354.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Texas?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Texas health insurance?

  • Individual health insurance. Over 1,117,000 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 92 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 4,457,644 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 4,272,049 beneficiaries of Medicare in Arizona.

 

Key healthcare legislation

Texas only has legislative sessions in odd numbered years. The following summarizes key legislation from 2019:

  • Transparency about specialists working at in-network facilities and prior authorization. SB1742 requires health plan provider directories to clearly state whether specialists practicing at in-network facilities are also in-network. The law also requires providers to offer a readily available list of services that are subject to prior authorization requirements and information about the provider’s total volume of prior authorization requirements and denials.
  • Surprise balance billing for fully insured plans. SB1264 requires the insurer and the out-of-network provider to work out the payment arrangements without involving the patient. Instead of billing the patient for amounts above their normal cost-sharing requirements, the out-of-network provider has to use a state-regulated mediation/arbitration process to work out a payment amount with the patient’s insurer. SB1037 ensures that surprise balance bills that are sent to collections won’t show up on the person’s credit report.

 

Texas health insurance resources

Where do I shop for insurance in Utah?

Utah residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Utah?

November 1, 2020 - December 15, 2020

Outside of that window, Utah residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Utah

  • Molina Healthcare of Utah
  • SelectHealth, Inc.
  • University of Utah Health Insurance Plans
  • BridgeSpan
  • Regence BlueCross BlueShield of Utah

 

What are the 2021 insurance rates for Utah?

The benchmark monthly premium rate for 2021 decreased 3% from 2020 to $443.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Utah?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Utah health insurance?

  • Individual health insurance. 201,272 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 93 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 338,812 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 413,193 beneficiaries of Medicare in Utah.

 

Utah health insurance resources

Where do I shop for insurance in Vermont?

Vermont residents use the state-based exchange: Vermont Health Connect.

 

When is open enrollment for Vermont?

November 1, 2020 - December 15, 2020

Outside the Open Enrollment Period, you generally can enroll in a health insurance plan if you have a qualifying life event.

 

Participating insurance carriers in Vermont

  • MVP
  • Blue Cross Blue Shield of Vermont

What are the 2021 insurance rates for Vermont?

The projected average monthly premium rate for 2021 increased 3.5% from 2020 to $644

This is a small increase compared to the 4% average increase to traditional group health insurance in 2020.

 

What are the best HRA options in Vermont?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Vermont health insurance?

  • Individual health insurance. 27,335 residents enrolled in health insurance plans through Vermont Health Connect during 2020 open enrollment. Of these, roughly 83 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of June 2020, 161,049 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 151,195 beneficiaries of Medicare in Vermont.

 

Vermont health insurance resources

Where do I shop for insurance in Virginia?

Virginia residents use the federal exchange, HealthCare.gov.

Note that Virginia will be moving to a state-based exchange starting in 2023.

 

When is open enrollment for Virginia?

November 1, 2020 - December 15, 2020

Outside of that window, Virginia residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Virginia

  • CareFirst
  • Cigna
  • Group Hospitalization and Medical Services, Inc.
  • Health Keepers - aka Anthem
  • Kaiser Foundation Health Plan of the Mid-Atlantic
  • Optima
  • Piedmont Community Healthcare 
  • Oscar Health
  • Optimum Choice - New

 

What are the 2021 insurance rates for Virginia?

The benchmark monthly premium rate for 2021 decreased 8% from 2020 to $392.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Virginia?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Virginia health insurance?

  • Individual health insurance. Over 271,000 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 88 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 1,497,770 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 1,543,740 beneficiaries of Medicare in Virginia.

 

Virginia health insurance resources

W

Where do I shop for health insurance in Washington state?

Residents enroll on the state exchange: Washington Healthplanfinder.

 

When is open enrollment for Washington?

November 1, 2020 - January 15, 2021

As long as residents enroll by December 15, their coverage will begin on January 1. The deadline for a February 1 effective date is January 15.

 

Participating insurance carriers in Washington

The following carriers offer plans on the Washington state exchange:

  • BridgeSpan Health Company - New*
  • Community Health Network of Washington* Will only offer public option plans
  • Coordinated Care Corporation*
  • Kaiser Foundation Health Plan of the Northwest
  • Kaiser Foundation Health Plan of Washington
  • LifeWise Health Plan of Washington*
  • Molina Healthcare of Washington
  • PacificSource Health Plans
  • Premera Blue Cross
  • Providence Health Plan
  • Regence BlueCross BlueShield of Oregon - New
  • Regence BlueShield - New
  • UnitedHealthcare of Oregon* - New. Will only offer public option plans

* Will offer public option plans (see below)

 

What are the 2021 insurance rates for Washington?

The projected average monthly premium rate for 2021 decreased 3.18% from 2020 to $491

This compares favorably to the 4% average increase to traditional group health insurance in 2020.

 

What are the best HRA options in Washington?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

Washington to offer first-in-the-nation public option

In 2019, Washington enacted S.B.5526, which ordered the creation of a “public option” health insurance plan in Washington by 2021. To do this, Washington will contract private health insurance companies to offer qualified health plans at the bronze, silver, and gold levels in the Washington exchange.

The plans, dubbed “Cascade Care,” will offer standardized benefits, capping provider reimbursements at 160 percent of the Medicare reimbursement amounts. There are exceptions to this cap for rural hospitals, which will be guaranteed at least 101 percent of Medicare-approved costs, rural primary care providers, who are guaranteed at least 135 percent of Medicare rates, and instances in which the plan can’t develop an adequate network under the prescribed reimbursement constraints.)

For 2021, these public option plans will only be available in 20 of the state’s 39 counties.

 

What are the enrollment statistics for Washington health insurance?

  • Individual health insurance. About 212,000 residents enrolled in medical insurance in 2020 through the Washington health insurance marketplace. Since the Affordable Care Act took effect in 2013, Washington has seen one of the nation’s greatest reductions in the percentage of uninsured residents from 14 percent in 2013 to 6.7% at the beginning of 2020. Roughly 61 percent of Washington residents using the exchange receive premium subsidies. For 2021, the upper income limit is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid/CHIP. Enrollment in Washington's Medicaid expansion grew by 57 percent between the fall of 2013 and May, 2020 when enrollment consisted of 1,759,499 residents.
  • Medicare. As of August 2020, there were 1,398,832 Washington residents with Medicare coverage. That’s about 17.5 percent of the state’s population – slightly lower than the national average for Medicare enrollment.

 

Washington health insurance resources

  • Health Care for All – Washington. The oldest grassroots organization in Washington that is solely dedicated to bringing about publicly funded, publicly and privately delivered universal health care.
  • KindHealth. Makes shopping for health plans easy.

Where do I shop for insurance in West Virginia?

The state oversees all plans sold, but West Virginia residents use the federal exchange to enroll: HealthCare.gov.

 

When is open enrollment for West Virginia?

November 1, 2020 - December 15, 2020

Outside of that window, West Virginia residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in West Virginia

  • Highmark Blue Cross Blue Shield
  • CareSource

 

What are the 2021 insurance rates for West Virginia?

The benchmark monthly premium rate for 2021 increased 3% from 2020 to $531.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in West Virginia?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for West Virginia health insurance?

  • Individual health insurance. 20,262 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 90 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 521,290 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 442,467 beneficiaries of Medicare in West Virginia.

 

West Virginia health insurance resources

Where do I shop for insurance in Wisconsin?

Wisconsin residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Wisconsin?

November 1, 2020 - December 15, 2020

Outside of that window, Wisconsin residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Wisconsin

  • Aspirus Arise
  • Common Ground Healthcare Cooperative
  • Children’s Community Health Plan
  • Dean Health Plan
  • Group Health Cooperative of South Central Wisconsin
  • HealthPartners Insurance
  • Medica Health Plans of Wisconsin
  • MercyCare HMO Inc
  • Molina
  • Network Health
  • Quartz Health Benefits
  • Security Health Plan of Wisconsin, Inc
  • WPS - aka Arise Health Plan

 

What are the 2021 insurance rates for Wisconsin?

The benchmark monthly premium rate for 2021 decreased 7% from 2020 to $375.*

This compares favorably to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Wisconsin?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation.
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Wisconsin health insurance?

  • Individual health insurance. 196,594 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 87 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 1,112,844 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 1,201,201 beneficiaries of Medicare in Wisconsin.

 

Wisconsin health insurance resources

Where do I shop for insurance in Wyoming?

Residents enroll through the federal exchange: HealthCare.gov.

 

When is open enrollment for Wyoming?

November 1, 2020 - December 15, 2020

Outside of that window, Wyoming residents with qualifying events can still enroll or make changes to their coverage for 2021.

 

Participating insurance carriers in Wyoming

  • Blue Cross Blue Shield of Wyoming

 

What are the 2021 insurance rates for Wyoming?

The benchmark monthly premium rate for 2021 decreased 10% from 2020 to $648.*

This is in stark contrast to the 4% average increase traditional group health insurance saw in 2020.

* The benchmark rate is the second-lowest-cost silver plan for a 27-year old.

 

What are the best HRA options in Wyoming?

Using a health reimbursement arrangement (HRA), employers can reimburse employees for premiums and out-of-pocket medical expenses, tax-free, using the following:

  • Individual coverage HRA (ICHRA). The most flexible and customizable plan option lets employers offer different health benefits to different classes of employees and there is no limit to the amount an employer can contribute.
  • Qualified small employer HRA (QSEHRA). The simplest to deploy and manage, a QSEHRA lets employers offer a single reimbursement plan to all employees up to a maximum amount adjusted each year for inflation. 
  • Group coverage HRA (GCHRA). Employers who offer group coverage can supplement the benefit by reimbursing employees for out-of-pocket expenses like copays and prescription costs. The GCHRA is a great way to make a high-deductible plan more effective or to create a feature-rich, luxury health package.

 

What are the enrollment statistics for Wyoming health insurance?

  • Individual health insurance. 24,665 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 94 percent receive premium subsidies. For 2021, the upper income limit for receiving subsidies is projected to be $51,040 for an individual and $104,800 for a family of four.
  • Medicaid and CHIP. As of May 2020, 59,302 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of August 2020, there were 113,852 beneficiaries of Medicare in Wyoming.

 

Wyoming health insurance resources


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