Open enrollment is a vital time for anyone shopping for individual health insurance. Outside of the open enrollment season, you must experience a qualifying life event to trigger a special enrollment period.

Open enrollment is also key for small businesses offering a qualified small employer health reimbursement arrangement (QSEHRA). Employees covered by a QSEHRA can only receive reimbursements free of income tax if they have minimum essential coverage (MEC). For most employees, individual health insurance purchased during open enrollment is the best way to ensure all their QSEHRA reimbursements will be tax-free for the year.

In 2020, 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 remain about the same year over year, with just a 0.16 percent decrease.

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

  • The marketplace website
  • Open enrollment dates
  • Policy effective dates
  • Participating insurance companies
  • Average rates
  • Upper income limits for premium subsidies
  • Relevant QSEHRA information

The state-by-state breakdown is below.

Open enrollment resources

The Small Business's Guide to Health Benefits in 2020
This eBook lays out 6 small business health benefits options for 2020 and how to evaluate them for your business.
The QSEHRA: Annual Report 2019

Learn how small businesses helped employees with individual insurance pay for their premiums and medical expenses through a QSEHRA in 2018.

7 ways to budget with a QSEHRA

In this eBook, learn how a QSEHRA is a powerful tool for keeping your small business benefits budget in check.

2020 individual insurance open enrollment by state

Alabama

Alabama residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Alabama takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Blue Cross Blue Shield
  • Bright Health Insurance

This is the same number of insurers in the Alabama market since last year.

The average monthly premium for 2020 is projected to be $691—a 3.3 percent increase since last year.

Roughly 95 percent of Alabama residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Alabama offered an average $474 per employee per month: $275 for self-only employees, and $236 for employees with a family. Click here for more information on the QSEHRA in Alabama.

Alaska

Alaska residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Alaska takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Premera
  • Moda

Moda has rejoined the Alaska marketplace for the 2020 open enrollment season.

The average monthly premium for 2020 is projected to be $746a mere .03% decrease since last year.

Roughly 88 percent of Alaska residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $62,400 for an individual and $128,760 for a family of four.

In 2017, small businesses using a QSEHRA in Alaska offered an average $406 per employee per month: $338 for self-only employees, and $452 for employees with a family. Click here for more information on the QSEHRA in Alaska.

Arizona

Arizona residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Arizona takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1, and they will qualify as insured in 2020.

Participating insurance companies include:

  • Health Net of Arizona (Ambetter from Arizona Complete Health)
  • Blue Cross Blue Shield of Arizona
  • Bright Health
  • Oscar Health
  • Cigna

These are the same companies represented in last year's market.

The average monthly premium for 2020 is projected to be $585—a decrease of 0.21 percent since last year. Insurance companies say the drop can be attributed to the fact that they’re beginning to make money on the exchanges.

Roughly 84 percent of Arizona residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Arizona offered an average $478 per employee per month: $288 for self-only employees, and $563 for employees with a family. Click here for more information on the QSEHRA in Arizona.

Arkansas

Arkansas uses HealthCare.gov for enrollment, but offers its own state exchange, My Arkansas Insurance, starting this year.

2020 open enrollment in Arkansas takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Arkansas Blue Cross Blue Shield
  • Centene/Ambetter
  • QualChoice Life and Health
  • QCA Health Plan

This is the same set of four insurers that have been active in the state since 2016.

The average monthly premium for 2020 is projected to be $524—an increase of 2.3 percent since last year. 

Roughly 89 percent of Arkansas residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Arkansas offered an average $222 per employee per month: $200 for self-only employees, and $236 for employees with a family. Click here for more information on the QSEHRA in Arkansas.

California

California residents use the state exchange, Covered California.

2020 open enrollment in California takes place from October 15 to January 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020. Those who enroll by January 15 will have a policy effective date of February 1 and will also qualify as insured for the year.

Participating insurance companies include:

  • Anthem Blue Cross of California
  • Blue Shield of California
  • Chinese Community Health Plan
  • Health Net
  • Kaiser Permanente
  • L.A. Care Health Plan
  • Molina Healthcare
  • Oscar Health Plan of California
  • Sharp Health Plan
  • Valley Health Plan
  • Western Health Advantage

All 11 of these insurers participated in the exchange last year as well, though not all of them cover every California county.

The average monthly premium for 2020 is projected to be $587—an increase of 0.9 percent since last year. 

Roughly 88 percent of California residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in California offered an average $394 per employee per month: $299 for self-only employees, and $468 for employees with a family. Click here for more information on the QSEHRA in California.

Colorado

Colorado residents use the state exchange, Connect for Health Colorado.

2020 open enrollment in Colorado takes place from November 1 to January 15, and will do so for every following year. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020. Those who enroll by January 15 will have a policy effective date of February 1 and will also qualify as insured for the year.

Participating insurance companies include:

  • Anthem (HMO Colorado)
  • Bright Health Insurance
  • Cigna Health and Life Insurance
  • Denver Health Medical Plan
  • Friday Health Plans
  • Kaiser Foundation Health Plan of Colorado
  • Rocky Mountain Health Maintenance Organization
  • Oscar

Oscar is new to the Colorado exchange as of this year and is limited to the Denver metro area.

The average monthly premium for 2020 is projected to be $517a decrease of 20.2 percent since last year. This large drop in average premium cost is due largely to Colorado's newly instated reinsurance program. It's also important to note that this drop is not as dramatic for people receiving subsidies.

Roughly 80 percent of Colorado residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Colorado offered an average $315 per employee per month: $218 for self-only employees, and $379 for employees with a family. Click here for more information on the QSEHRA in Colorado.

Connecticut

Connecticut residents use the state exchange, Access Health CT.

2020 open enrollment in Connecticut takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Anthem
  • ConnectiCare

These two insurers participated in the exchange last year as well.

The average monthly premium for 2020 is projected to be $649an increase of 3.7 percent since last year. 

Roughly 71 percent of Connecticut residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Connecticut offered an average $683 per employee per month: $412.50 for self-only employees, and $827 for employees with a family. Click here for more information on the QSEHRA in Connecticut.

Delaware

Delaware residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Delaware takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Highmark BCBS of Delaware

This is the third year Delaware has had just one insurer offering individual health insurance in the state.

The average monthly premium for 2020 is projected to be $672a decrease of 19.5 percent since last year. 

Roughly 90 percent of Delaware residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Delaware offered an average $564 per employee per month: $406 for self-only employees, and $617 for employees with a family. Click here for more information on the QSEHRA in Delaware.

The District of Columbia

District of Columbia residents use the city-run exchange, DC Health Link.

Open enrollment in the District of Columbia takes place every year from November 1 to January 31. 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 January 31 for a March 1 effective date. All will qualify as insured in 2020.

Participating insurance companies include:

  • CareFirst
  • Kaiser Foundation Health Plan of the Mid-Atlantic States

This is the third year D.C. has had these two insurers offering individual health insurance in the city.

The average monthly premium for 2020 is projected to be $510—an increase of 8.7 percent since last year. 

Roughly 6 percent of D.C. residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in D.C. offered an average $432 per employee per month: $350 for self-only employees, and $526 for employees with a family. Click here for more information on the QSEHRA in D.C.

Florida

Florida residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Florida takes place from November 1 to December 15

Participating insurance companies include:

  • Blue Cross Blue Shield of Florida
  • Bright Health Insurance Company
  • Cigna
  • Florida Blue HMO
  • Florida Health Care Plan Inc.
  • Ambetter
  • Molina
  • Health First Health Plans
  • Oscar Health

There are two new companies joining the exchange this year, Bright Health Insurance Company and Cigna, which is returning from going private in 2016.

The average monthly premium for 2020 is projected to be $601—representing no change year over year.

Roughly 95 percent of Florida residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Florida offered an average $387 per employee per month: $307 for self-only employees, and $432 for employees with a family. Click here for more information on the QSEHRA in Florida.

Georgia

Georgia residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Georgia takes place from November 1 to January 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Alliant
  • Ambetter
  • Anthem Blue Cross Blue Shield of Georgia
  • Kaiser
  • Oscar
  • CareSource

Oscar and CareSource are both new to the Georgia exchanges this year.

The average monthly premium for 2020 is projected to be $590a 0.9 percent decrease since last year.

Roughly 91 percent of Georgia residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Georgia offered an average $383 per employee per month: $266 for self-only employees, and $450 for employees with a family. Click here for more information on the QSEHRA in Georgia.

Hawaii

Hawaii residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Hawaii takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • HMSA
  • Kaiser

These are the same two insurers that offered health insurance in Hawaii in 2019.

The average monthly premium for 2020 is projected to be $636a decrease of 4 percent since last year

Roughly 85 percent of Hawaii residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $57,520 for an individual and $118,480 for a family of four.

In 2017, small businesses using a QSEHRA in Hawaii offered an average $400 per employee per month. The average for both self-only employees and employees with a family matched the state average. Click here for more information on the QSEHRA in Hawaii.

Idaho

Idaho residents use the state exchange, Your Health Idaho.

2020 open enrollment in Idaho takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Blue Cross of Idaho Health Services
  • Mountain Health Cooperative
  • PacificSource Health Plans
  • Regence Blue Shield of Idaho
  • SelectHealth

The average monthly premium for 2020 is projected to be $566—an increase of 6.3 percent since last year.

Roughly 88 percent of Idaho residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Idaho offered an average $298 per employee per month: $175 for self-only employees, and $272 for employees with a family. Click here for more information on the QSEHRA in Idaho.

Illinois

Illinois residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Illinois takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Celtic Insurance Co. (Ambetter)
  • Health Alliance Medical Plans
  • Cigna
  • Blue Cross Blue Shield of Illinois
  • Gundersen Health Plan

This represents the same group of insurers participating in Illinois in 2019's open enrollment season.

The average monthly premium for 2020 is projected to be $643a decrease of 0.3 percent since last year. 

Roughly 87 percent of Illinois residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Illinois offered an average $373 per employee per month: $296 for self-only employees, and $411 for employees with a family. Click here for more information on the QSEHRA in Illinois.

Indiana

Indiana residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Indiana takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • CareSource
  • Celtic Insurance Co. (Ambetter)

These are the same two insurers that offered health insurance in Indiana in 2018 and 2019.

The average monthly premium for 2020 is projected to be $552—an increase of 13.5 percent since last year. 

Roughly 69 percent of Indiana residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Indiana offered an average $398 per employee per month: $285 for self-only employees, and $467 for employees with a family. Click here for more information on the QSEHRA in Indiana.

Iowa

Iowa residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Iowa takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Medica
  • Wellmark

The average monthly premium for 2020 is projected to be $814—a 10.8 percent decrease since last year.

Roughly 91 percent of Iowa residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Iowa offered an average $167 per employee per month: $150 for both self-only employees and employees with a family. Click here for more information on the QSEHRA in Iowa.

Kansas

Kansas residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Kansas takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Medica
  • Blue Cross Blue Shield of Kansas
  • Ambetter from Sunflower Health (Centene)
  • Oscar
  • Cigna

Oscar and Cigna are new to the Kansas market this year.

The average monthly premium for 2020 is projected to be $659—an increase of 0.3 percent since last year.

Roughly 90 percent of Kansas residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Kansas offered an average $387 per employee per month: $217 for self-only employees and $511 for employees with a family. Click here for more information on the QSEHRA in Kansas.

Kentucky

Kentucky residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Kentucky takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • CareSource
  • Anthem

The average monthly premium for 2020 is projected to be $613—an increase of 3.7 percent since last year.

Roughly 82 percent of Kentucky residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Kentucky offered an average $380 per employee per month: $300 for self-only employees and $400 for employees with a family. Click here for more information on the QSEHRA in Kentucky.

Louisiana

Louisiana residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Louisiana takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • HMO Louisiana
  • Louisiana Health Service & Indemnity Company
  • Vantage Health Plan
  • Christus Health Plans

Christus Health Plans is a new provider in the Louisiana market this year.

The average monthly premium for 2020 is projected to be $683—an 11.7 percent increase since last year.

Roughly 91 percent of Louisiana residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

There is insufficient data to give QSEHRA average allowance amounts in Louisiana for 2017.

Maine

Maine residents use the federal exchange, HealthCare.gov, with state-led oversight. 

2020 open enrollment in Maine takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Community Health Options
  • Harvard Pilgrim
  • Anthem

Anthem is rejoining the exchange after leaving in 2018, largely due to Maine’s proposed reinsurance program.

The average monthly premium for 2020 is projected to be $657—a decrease of 1.6 percent since last year.

Roughly 89 percent of Maine residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Maine offered an average $536 per employee per month: $400 for self-only employees and $608 for employees with a family. Click here for more information on the QSEHRA in Maine.

Maryland

Maryland residents use the state exchange, Maryland Health Connection.

2020 open enrollment in Maryland takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • CareFirst Blue Choice
  • CareFirst of Maryland
  • Kaiser

The average monthly premium for 2020 is projected to be $502—a decrease of 10.3 percent since last year. A contributor to the drop is the state's reinsurance program, first approved in August 2018.

Roughly 85 percent of Maryland residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Maryland offered an average $486 per employee per month: $330 for self-only employees and $592 for employees with a family. Click here for more information on the QSEHRA in Maryland.

Massachusetts

Massachusetts residents use the state exchange, Massachusetts Health Connector.

2020 open enrollment in Massachusetts takes place from November 1 to January 23. As long as residents enroll by December 23, their coverage will begin on January 1. The deadline for a February 1 effective date is January 23. All will qualify as insured in 2020.

Participating insurance companies include:

  • Blue Cross Blue Shield of Massachusetts
  • Boston Medical Center HealthNet Plan
  • Fallon Community Health Plan
  • Harvard Pilgrim Health Care (HMO)
  • Health New England
  • AllWays Health Partners
  • Tufts Insurance Company
  • UnitedHealthcare

UnitedHealthcare is rejoining the exchange.

The average monthly premium for 2020 is projected to be $412—an increase of 5.2 percent since last year.

Roughly 79 percent of Massachusetts residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Massachusetts offered an average $464 per employee per month: $261 for self-only employees and $588 for employees with a family. Click here for more information on the QSEHRA in Massachusetts.

Michigan

Michigan residents use the federal exchange, Healthcare.gov.

2020 open enrollment in Michigan takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

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

There are also two off-exchange insurers: Alliance Health and Life, and Health Alliance Plan.

No new insurers have joined the Michigan market this year, and none have left.

The average monthly premium for 2020 is projected to be $485—a decrease of 2.1 percent since last year.

Roughly 87 percent of Michigan residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Michigan offered an average $536 per employee per month: $272 for self-only employees and $728 for employees with a family. Click here for more information on the QSEHRA in Michigan.

Minnesota

Minnesota residents use a state exchange, MNsure.

2020 open enrollment in Minnesota takes place from November 1 to December 23 for coverage beginning on January 1. 

Participating insurance companies include:

  • Blue Plus
  • Group Health
  • Medica
  • UCare

There is also one off-exchange insurer: PreferredOne.

The average monthly premium for 2020 is projected to be $455—a decrease of 1 percent since last year. This drop is primarily due to the implementation of a reinsurance program in 2017, which reimburses insurers that cover high-cost customers.

Roughly 61 percent of Minnesota residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Minnesota offered an average $378 per employee per month: $327 for self-only employees and $436 for employees with a family. Click here for more information on the QSEHRA in Minnesota.

Mississippi

Mississippi residents use the federal exchange, Healthcare.gov.

2020 open enrollment in Mississippi takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Ambetter
  • Molina

Molina is new to the Mississippi exchange for 19 counties this year.

There is also one off-exchange insurer: Blue Cross Blue Shield of Mississippi.

The average monthly premium for 2020 is projected to be $637—a decrease of 2.4 percent since last year.

Roughly 98 percent of Mississippi residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

There is insufficient data to give QSEHRA average allowance amounts in Mississippi for 2017.

Missouri

Missouri residents use the federal exchange, Healthcare.gov.

2020 open enrollment in Missouri takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Healthy Alliance Life (Anthem)
  • Cigna
  • Celtic/Ambetter
  • Medica

Medica is expanding slightly into another Kansas City rating area this year.

The average monthly premium for 2020 is projected to be $630—a 2 percent decrease compared to last year.

Roughly 88 percent of Missouri residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Missouri offered an average $313 per employee per month: $256 for self-only employees and $329 for employees with a family. Click here for more information on the QSEHRA in Missouri.

Montana

Montana residents use the federal exchange, Healthcare.gov.

2020 open enrollment in Montana takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

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

The average monthly premium for 2020 is projected to be $579—a decrease of 13.1 percent since last year.

Roughly 87 percent of Montana residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Montana offered an average $532 per employee per month: $390 for self-only employees and $729 for employees with a family. Click here for more information on the QSEHRA in Montana.

Nebraska

Nebraska residents use the federal exchange, Healthcare.gov, though the state oversees the details of some plans for sale on the exchange.

2020 open enrollment in Nebraska takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Medica
  • Bright Health

Bright Health is new to the Nebraska market this year.

The average monthly premium for 2020 is projected to be $795—a decrease of 6.9 percent since last year.

Roughly 95 percent of Nebraska residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Nebraska offered an average $471 per employee per month: Employees with a family received an average of $411. There is insufficient data to determine an average for self-only employees for 2017. Click here for more information on the QSEHRA in Nebraska.

Nevada

Nevada has fully launched its own marketplace, Nevada Health Link, starting this year.

2020 open enrollment in Nevada takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Something to note: Unlike last year, off-exchange plans in Nevada are no longer available year-round, but are now subject to the same open enrollment rules as on-exchange plans. This change was put into effect on Oct. 1, 2019.

Participating insurance companies include:

  • Silver Summit
  • Health Plan of Nevada (UnitedHealthcare)
  • HMO Colorado (HMO Nevada/Anthem BCBS)

Off-exchange insurers include:

  • Health Plan of Nevada
  • Sierra Health & Life
  • Hometown Health Plan
  • Hometown Health Providers

The average monthly premium for 2020 is projected to be $513—an increase of 1.7 percent since last year.

Roughly 88 percent of Nevada residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Nevada offered an average $367 per employee per month: $252 for self-only employees and $510 for employees with a family. Click here for more information on the QSEHRA in Nevada.

New Hampshire

New Hampshire operates a partnership exchange with the federal government, hosted on Healthcare.gov.

2020 open enrollment in New Hampshire takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Ambetter
  • Anthem
  • Harvard Pilgrim

The average monthly premium for 2020 is projected to be $536—a decrease of 0.8 percent since last year.

Roughly 75 percent of New Hampshire residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in New Hampshire offered an average $327 per employee per month: $330 for self-only employees and $325 for employees with a family. Click here for more information on the QSEHRA in New Hampshire.
New Jersey

New Jersey residents use the federal exchange, Healthcare.gov, for now, but plans to release a state-based exchange for the 2020–2021 season.

2020 open enrollment in New Jersey takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • AmeriHealth
  • Horizon BCBS
  • Oscar Health

There are two off-exchange insurers: Oxford (UnitedHealthcare) and Horizon Healthcare of New Jersey.

The average monthly premium for 2020 is projected to be $556—an increase of 8.7 percent since last year.

Roughly 79 percent of New Jersey residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in New Jersey offered an average $318 per employee per month: $250 for self-only employees and $539 for employees with a family. Click here for more information on the QSEHRA in New Jersey.

New Mexico

New Mexico has a state exchange, bWellnm, but it still handles enrollment through the federal platform at Healthcare.gov for individual policies. The state is, however, considering returning to a fully state-run platform in the 2020 to 2021 season.

2020 open enrollment in New Mexico takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Blue Cross Blue Shield of New Mexico
  • True Health
  • Molina
  • New Mexico Health Connections

Christus has exited the exchange this year, and True Health has joined.

There is one off-exchange insurer: Presbyterian Health Plan.

The average monthly premium for 2020 is projected to be $485—an increase of 0.9 percent since last year.

Roughly 81 percent of New Mexico residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in New Mexico offered an average $318 per employee per month: $250 for self-only employees and $539 for employees with a family. Click here for more information on the QSEHRA in New Mexico.
New York

New York residents use the state exchange, New York State of Health.

2020 open enrollment in New York takes place from November 1 to January 31. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020. 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.

Participating insurance companies include:

  • Capital District Physicians’ Health Plan
  • Emblem (Health Insurance Plan of Greater New York)
  • Empire Health Plus HP
  • Excellus Health Plan
  • Fidelis Care New York
  • Healthfirst PHSP
  • HealthNow New York
  • Independent Health Benefits Corporation
  • Metro Plus Health Plan
  • MVP Health Plan
  • Oscar
  • UnitedHealthcare of New York

Just one company, HealthFirst Insurance Company, will be offering policies off the exchange.

The average monthly premium for 2020 is projected to be $608—an increase of 6.8 percent since last year. 

Roughly 56 percent of New York residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in New York offered an average $436 per employee per month: $288 for self-only employees and $584 for employees with a family. Click here for more information on the QSEHRA in New York.

North Carolina

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

2020 open enrollment in North Carolina takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Ambetter (Centene)
  • Blue Cross Blue Shield of North Carolina
  • Cigna
  • Bright Health

Bright Health is a new addition to the exchange in Charlotte and Winston-Salem rating areas.

The average monthly premium for 2020 is projected to be $685—a decrease of 5.6 percent since last year.

Roughly 94 percent of North Carolina residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in North Carolina offered an average $414 per employee per month: $297 for self-only employees and $492 for employees with a family. Click here for more information on the QSEHRA in North Carolina.
North Dakota

North Dakota residents use the federal exchange, HealthCare.gov.

2020 open enrollment in North Dakota takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

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

There have been no arrivals or departures of insurance companies this year.

The average monthly premium for 2020 is projected to be $467—a decrease of 5.8 percent since last year.

Roughly 87 percent of North Dakota residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

There is insufficient data to give QSEHRA average allowance amounts in North Dakota for 2017. Click here for more information on the QSEHRA in North Dakota.

Ohio

Ohio residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Ohio takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

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

There are no new insurance companies participating this year, nor have any left the market.

The average monthly premium for 2020 is projected to be $493—a decrease of 7.7 percent since last year. 

Roughly 77 percent of Ohio residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Ohio offered an average $344 per employee per month: $255 for self-only employees and $413 for employees with a family. Click here for more information on the QSEHRA in Ohio.

Oklahoma

Oklahoma residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Oklahoma takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Blue Cross Blue Shield of Oklahoma
  • CommunityCare HMO
  • Bright Health

Bright Health is new to the exchange this year.

The average monthly premium for 2020 is projected to be $685—an increase of nearly 2.7 percent since last year.

Roughly 95 percent of Oklahoma residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Oklahoma offered an average $217 per employee per month: $204 for self-only employees and $210 for employees with a family. Click here for more information on the QSEHRA in Oklahoma.

Oregon

Oregon has a state-run exchange, but uses HealthCare.gov for enrollments. The state is considering returning to a fully state-run program in the near future. 

2020 open enrollment in Oregon takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • BridgeSpan Health Compan
  • Kaiser Foundation Healthplan of the NW
  • Moda Health Plan
  • PacificSource Health Plans
  • Providence Health Plan

There is one off-exchange provider: Health Net.

The average monthly premium for 2020 is projected to be $570—an increase of 2.3 percent since last year. This increase is markedly smaller than the double-digit increases of the past, due mainly to the reinsurance program Oregon instated in 2017.

Roughly 76 percent of Oregon residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Oregon offered an average $313 per employee per month: $266 for self-only employees and $318 for employees with a family. Click here for more information on the QSEHRA in Oregon.

Pennsylvania

Pennsylvania residents will use the federal exchange, HealthCare.gov, this year, but the state plans to open its own exchange for next year's open enrollment season.

2020 open enrollment in Pennsylvania takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Capital Advantage Assurance Company
  • Geisinger Health Plan
  • Geisinger Quality Options
  • Highmark Benefits Group
  • Highmark Choice Company
  • Highmark Health Insurance Company
  • Highmark Inc.
  • Independence Blue Cross PPO
  • Keystone Health Plan East
  • Oscar
  • PA Health & Wellness
  • UPMC Health Coverage

There is one new insurer this year: Oscar. 

The average monthly premium for 2020 is projected to be $674—a 3.8 percent increase since last year. 

Roughly 89 percent of Pennsylvania residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Pennsylvania offered an average $359 per employee per month: $256 for self-only employees and $458 for employees with a family. Click here for more information on the QSEHRA in Pennsylvania.

Rhode Island

Rhode Island residents use the state exchange, Health Source RI.

2020 open enrollment in Rhode Island takes place from November 1 to December 31. As long as residents enroll by December 31, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

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

These two insurers have been the only companies offering policies on the state exchange since 2017, when UnitedHealthcare withdrew.

The average monthly premium for 2020 is projected to be $439—a decrease of 0.5 percent since last year.

Roughly 83 percent of Rhode Island residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Rhode Island offered an average $520 per employee per month: $412.50 for self-only employees and $600 for employees with a family. Click here for more information on the QSEHRA in Rhode Island.

South Carolina

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

2020 open enrollment in South Carolina takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Blue Cross Blue Shield of South Carolina
  • Ambetter (in Charleston County)

The average monthly premium for 2020 is projected to be $638—a 3.9 percent decrease since last year. 

Roughly 94 percent of South Carolina residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in South Carolina offered an average $416 per employee per month: $246 for self-only employees and $532 for employees with a family. Click here for more information on the QSEHRA in South Carolina.

South Dakota

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

2020 open enrollment in South Dakota takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Avera Health Plans
  • Sanford Health Plan

These two insurers have been the only companies to offer coverage on the exchange since 2017.

The average monthly premium for 2020 is projected to be $684—an increase of 6.5 percent since last year.

Roughly 93 percent of South Dakota residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in South Dakota offered an average $833.33 per employee per monththe maximum permitted allowance for that year. Click here for more information on the QSEHRA in South Dakota.

Tennessee

Tennessee residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Tennessee takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Blue Cross Blue Shield of Tennessee
  • Bright Health of Tennessee
  • Celtic (Centene)
  • Cigna
  • Oscar

There are no new insurers in the market this year, and none have left.

The average monthly premium for 2020 is projected to be $649—a decrease of 1.1 percent since last year. 

Roughly 90 percent of Tennessee residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Tennessee offered an average $455 per employee per month: $291 for self-only employees and $567 for employees with a family. Click here for more information on the QSEHRA in Tennessee.

Texas

Texas residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Texas takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Ambetter (formerly Celtic)
  • Blue Cross Blue Shield of Texas
  • CHRISTUS
  • Community Health Choice
  • Molina
  • Oscar
  • Sendero
  • SHA/FirstCare

These are the same eight insurers that offered coverage in 2019.

The average monthly premium for 2020 is projected to be $553—a decrease of 1.4 percent since last year.

Roughly 91 percent of Texas residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Texas offered an average $415 per employee per month: $304 for self-only employees and $506 for employees with a family. Click here for more information on the QSEHRA in Texas.

Utah

Utah residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Utah takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • BridgeSpan Health Company
  • Molina
  • Cigna
  • SelectHealth
  • University of Utah Health Insurance Plans

Cigna is new to the Utah market. There is one off-exchange provider, Regence.

The average monthly premium for 2020 is projected to be $441—a decrease of 2.3 percent since last year. 

Roughly 92 percent of Utah residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Utah offered an average $456 per employee per month: $262 for self-only employees and $538 for employees with a family. Click here for more information on the QSEHRA in Utah.
Vermont

Vermont residents use the state exchange, Vermont Health Connect.

2020 open enrollment in Vermont takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • MVP
  • BCBSVT

These two insurers also offered coverage in 2020.

The average monthly premium for 2020 is projected to be $637—an increase of 11.5 percent since last year. This sharp increase is primarily due to the fact that both insurance companies lost money in 2018. Cost-sharing reductions also contributed to an increase in premiums for silver-level plans.

Roughly 84 percent of Vermont residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Vermont offered an average $469 per employee per month: $344 for self-only employees and $569 for employees with a family. Click here for more information on the QSEHRA in Vermont.

Virginia

Virginia residents use the federal exchange, HealthCare.gov.

2020 open enrollment in Virginia takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Virginia Premier
  • CareFirst
  • Cigna
  • Group Hospitalization and Medical Services
  • Health Keepers
  • Kaiser Foundation Health Plan of the Mid-Atlantic
  • Optima
  • Piedmont Community Healthcare
  • Oscar Health

Oscar Health is new to the market this year.

The average monthly premium for 2020 is projected to be $650—a decrease of 3.6 percent since last year. 

Roughly 89 percent of Virginia residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Virginia offered an average $393 per employee per month: $271 for self-only employees and $501 for employees with a family. Click here for more information on the QSEHRA in Virginia.

Washington state

Washington residents use the state exchange, Washington Healthplanfinder.

2020 open enrollment in Washington takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • BridgeSpan Health Company
  • Coordinated Care
  • Kaiser Foundation Health Plan of Washington
  • Kaiser Foundation Health Plan of the NW
  • LifeWise Health Plan of WA
  • Molina Healthcare of Washington
  • PacificSource Health Plans
  • Premera Blue Cross
  • Providence Health Plan

Providence Health Plan and PacificSource Health Plans are new to the Washington market this year.

The average monthly premium for 2020 is projected to be $524—a decrease of 3.3 percent since last year. 

Roughly 65 percent of Washington residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Washington offered an average $381 per employee per month: $267 for self-only employees and $441 for employees with a family. Click here for more information on the QSEHRA in Washington.

West Virginia

West Virginia has a partnership exchange, so residents use the federal exchange, Healthcare.gov, to enroll in individual policies while the state oversees policies sold through the exchange.

2020 open enrollment in West Virginia takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Highmark Blue Cross Blue Shield
  • CareSource

These are the same two insurers that participated in the exchange since 2016.

The average monthly premium for 2020 is projected to be $991—an increase of 6.7 percent since last year.

Roughly 89 percent of West Virginia residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in West Virginia offered an average $648 per employee per month: $100 for self-only employees and $737 for employees with a family. Click here for more information on the QSEHRA in West Virginia.

Wisconsin

Wisconsin residents use the federal exchange, Healthcare.gov.

2020 open enrollment in Wisconsin takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • 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 (Unity)
  • Security Health Plan of Wisconsin, Inc.
  • WPS (Arise Health Plan)

Arise is rejoining the exchange this year, and Unity changed its name to Quartz. 

The average monthly premium for 2020 is projected to be $674—a decrease of 3.2 percent since last year.

Roughly 89 percent of Wisconsin residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Wisconsin offered an average $257 per employee per month: $205 for self-only employees and $293 for employees with a family. Click here for more information on the QSEHRA in Wisconsin.

Wyoming

Wyoming residents use the federal exchange, Healthcare.gov.

2020 open enrollment in Wyoming takes place from November 1 to December 15. As long as residents enroll by December 15, their coverage will begin on January 1 and they will qualify as insured in 2020.

Participating insurance companies include:

  • Blue Cross Blue Shield of Wyoming

This is the fifth year Wyoming has had just one insurer on its exchange.

The average monthly premium for 2020 is projected to be $958—an increase of 1.6 percent since last year.

Roughly 93 percent of Wyoming residents using the exchange receive premium subsidies. In 2020, the upper income limit is projected to be $49,960 for an individual and $103,000 for a family of four.

In 2017, small businesses using a QSEHRA in Wyoming offered an average $369 per employee per month: $370 for self-only employees and $350 for employees with a family. Click here for more information on the QSEHRA in Wyoming.

Looking for more 2020 open enrollment info?
Request our on-demand webinar: Open enrollment 101
GET THE RECORDING
cta-right-img-01