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 2019, 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 expected to climb just 3.6 percent as the market stabilizes.
In this guide, we’ll share you 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
Open enrollment resources
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2019 individual insurance open enrollment by state
Alabama
Alabama residents use the federal exchange, HealthCare.gov.
2019 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 2019.
Participating insurance companies include:
- Blue Cross Blue Shield
- Bright Health Insurance
This is an increase of one insurer since 2018, during which Alabama had just one insurance company: Blue Cross Blue Shield.
The average monthly premium for 2019 is projected to be $546—a decrease of 2.1 percent since last year. Insurers say the drop reflects an expected decrease in the cost of medical services and prescription drugs in the state.
Roughly 95 percent of Alabama residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Premera
Premera was also the only insurer offering coverage in 2018.
The average monthly premium for 2019 is projected to be $698—a decrease of 3.9 percent since last year. Alaska Governor Bill Walker says the drop is a direct result of the state’s new reinsurance program that reimburses insurance companies for high-cost patients.
Roughly 93 percent of Alaska residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Ambetter by Health Net
- Blue Cross Blue Shield of Arizona
- Bright Health
- Oscar Health
- Cigna
This represents an increase of three health insurers since
The average monthly premium for 2019 is projected to be $489—a decrease of 5.3 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 88 percent of Arizona residents using the exchange receive premium subsidies. In 2019, the
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 residents use the federal exchange, HealthCare.gov.
2019 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 2019.
Participating insurance companies include:
- Ambetter
- QCA Health Plan
- QualChoice Life & Health
- Blue Cross Blue Shield of Arizona
This is the same set of four insurers that have been active in the state since 2016.
The average monthly premium for 2019 is projected to be $381—an increase of 4.5 percent since last year. Despite the increase, Arkansas Insurance Commissioner Allen Kerr said Arkansas’ premiums were “among the lowest in the country” and “show that the health insurance market in Arkansas remains stable.”
Roughly 88 percent of Arkansas residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019. 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.
The average monthly premium for 2019 is projected to be $467—an increase of 8.7 percent since last year. This rate increase varies across the state, with residents in Monterey, San Benito, and Santa Cruz counties seeing the highest increases of 16 percent, while those in Mono, Inyo, and Imperial counties will experience slight decreases.
Roughly 87 percent of California residents using the exchange receive premium subsidies. In 2019, the
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.
2019 open enrollment in Colorado 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 2019. 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
- Friday Health Plans (formerly Colorado Choice)
- Denver Health Medical Plan
- Kaiser Foundation Health Plan of Colorado
- Rocky Mountain Health Maintenance Organization
All seven of these insurers participated in the exchange last year as well.
The average monthly premium for 2019 is projected to be $498—an increase of 6 percent since last year. State insurance department officials say the rate increase is the smallest since the Affordable Care Act (ACA) was implemented in 2014.
Roughly 74 percent of Colorado residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Anthem
- ConnectiCare
These two insurers participated in the exchange last year as well.
The average monthly premium for 2019 is projected to be $612—an increase of 2.7 percent since last year. Originally, insurers wanted to raise rates by an average 12.3 percent, but after negotiation with the Connecticut Insurance Department, insurers agreed to lower rate hikes.
Roughly 75 percent of Connecticut residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Highmark BCBS of Delaware
This is the second year Delaware has had just one insurer offering individual health insurance in the state.
The average monthly premium for 2019 is projected to be $607—an increase of 3 percent since last year. Highmark had originally proposed a rate increase of 13
Roughly 87 percent of Delaware residents using the exchange receive premium subsidies. In 2019, the
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
2019 open enrollment in the District of Columbia takes place 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 2019.
Participating insurance companies include:
- CareFirst
- Kaiser Foundation Health Plan of the Mid-Atlantic States
This is the second year D.C. has had these two insurers offering individual health insurance in the city.
The average monthly premium for 2019 is projected to be $397—an increase of 16 percent since last year. Insurers say they based their rate filings on the 2019 individual mandate in the city.
Roughly 6 percent of D.C. residents using the exchange receive premium subsidies. In 2019, the
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.
2019 open enrollment in Florida 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 2019.
Participating insurance companies include:
- Blue Cross Blue Shield of Florida
- Florida Blue HMO
- Florida Health Care Plan Inc.
- Ambetter
- Molina
- Health First Health Plans
- Oscar Health
This represents an increase of one insurer since 2018: Oscar Health.
The average monthly premium for 2019 is projected to be $507—an increase of 9 percent since last year. All insurers have declared their motivations behind the increases to be “trade secrets,” though basic details are available on HealthCare.gov’s Rate Review site.
Roughly 94 percent of Florida residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Alliant
- Ambetter
- Anthem Blue Cross Blue Shield of Georgia
- Kaiser
These are the same four insurers who offered coverage in 2018, though most of Georgia has access only to Anthem Blue Cross Blue Shield policies.
The average monthly premium for 2019 is projected to be $513—an increase of 6 percent since last year.
Roughly 90 percent of Georgia residents using the exchange receive premium subsidies. In 2019, the
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.
2019 open enrollment in Hawaii 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 2019.
Participating insurance companies include:
- HMSA
- Kaiser
These are the same two insurers that offered health insurance in Hawaii in 2018.
The average monthly premium for 2019 is projected to be $460—an increase of 5 percent since last year. The insurers had originally requested increases of 14 percent, but the filings were revised and finalized after the Hawaii Insurance Department’s review.
Roughly 85 percent of Hawaii residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Blue Cross of Idaho Health Services
- Montana Health Cooperative
- PacificSource Health Plans
- Regence Blue Shield of Idaho
The average monthly premium for 2019 is projected to be $516—an increase of 8 percent since last year.
Roughly 89 percent of Idaho residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Celtic Insurance Co. (Ambetter)
- Health Alliance Medical Plans
- Cigna
- Blue Cross Blue Shield of Illinois
- Gundersen Health Plan
Gundersen Health Plan is a new addition this year, bringing the state’s total number of insurers up to five.
The average monthly premium for 2019 is projected to be $489—an increase of 1 percent since last year. This is one of the state’s lowest rate increases in years, which the Illinois Department of Insurance says is reflective of the stabilizing market.
Roughly 86 percent of Illinois residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- CareSource
- Celtic Insurance Co. (Ambetter)
These are the same two insurers that offered health insurance in Indiana in 2018, though both are expanding their coverage areas this year.
The average monthly premium for 2019 is projected to be $356—an increase of 5 percent since last year. The rate change is significantly lower than the average 24 percent increase that went into effect in 2018.
Roughly 70 percent of Indiana residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Medica
- Wellmark
Wellmark rejoined the exchange after withdrawing in 2018, which left Medica as the only option for Iowa residents. New legislation also allows Farm Bureau to sell non-ACA-compliant Wellmark policies outside the exchange. These new policies can exclude people with preexisting conditions.
The average monthly premium for 2019 is projected to be $734—an increase of 3 percent since last year.
Roughly 91 percent of Iowa residents using the exchange receive premium subsidies. In 2019, the upper income limit is projected to be $48,560 for an individual; $65,840 for a family of two; and $100,400 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.
2019 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 2019.
Participating insurance companies include:
- Medica
- Blue Cross Blue Shield of Kansas
- Ambetter from Sunflower Health (Centene)
These are the same three insurers who offered coverage in 2018, with Ambetter expanding coverage in the Kansas City area.
The average monthly premium for 2019 is projected to be $550—an increase of 6 percent since last year.
Roughly 88 percent of Kansas residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- CareSource
- Anthem
Anthem is expanding to 93 counties this year, giving residents in 34 counties a choice between the two insurers.
The average monthly premium for 2019 is projected to be $473—an increase of 12 percent since last year.
Roughly 79 percent of Kentucky residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- HMO Louisiana
- Louisiana Health Service & Indemnity Company
- Vantage Health Plan
The average monthly premium for 2019 is projected to be $444—a decrease of 6 percent since last year.
Roughly 92 percent of Louisiana residents using the exchange receive premium subsidies. In 2019, the
There is insufficient data to give QSEHRA average allowance amounts in Louisiana for 2017.
Maine
Maine residents use the federal exchange, HealthCare.gov.
2019 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 2019.
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 2019 is projected to be $644—an increase of 10 percent since last year.
Roughly 89 percent of Maine residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- CareFirst Blue Choice
- CareFirst of Maryland
- Kaiser
The average monthly premium for 2019 is projected to be $423—a decrease of 13 percent since last year. Insurers originally requested a 30 percent increase, but a bipartisan effort by Maryland’s legislature and Governor Larry Hogan to create a state reinsurance program led to revised rate requests that reflected a decrease.
Roughly 84 percent of Maryland residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Ambetter (CeltiCare)
- Blue Cross Blue Shield of Massachusetts HMO Blue
- Blue Cross Blue Shield of Massachusetts
- Boston Medical Center HealthNet Plan
- Fallon Community Health Plan
- Harvard Pilgrim Health Care (HMO)
- Health New England
- Minuteman Health (an ACA-created CO-OP)
- Neighborhood Health Plan
- Tufts HMO
- Tufts Insurance Company
- UnitedHealthcare
UnitedHealthcare is rejoining the exchange.
The average monthly premium for 2019 is projected to be $329—an increase of 4.1 percent since last year.
Roughly 80 percent of Massachusetts residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
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
Oscar Health is new to Michigan’s individual market.
There are also two off-exchange insurers: Alliance Health and Life, and Health Alliance Plan.
The average monthly premium for 2019 is projected to be $387—an increase of 1.7 percent since last year.
Roughly 86 percent of Michigan residents using the exchange receive premium subsidies. In 2019, the
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.
2019 open enrollment in Minnesota takes place from November 1 to January 13. 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 13. All will qualify as insured in 2019.
Participating insurance companies include:
- Blue Plus
- Group Health
- Medica
- UCare
There is also one off-exchange insurer: PreferredOne.
The average monthly premium for 2019 is projected to be $354—a decrease of 8 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 64 percent of Minnesota residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Mississippi has just one insurer participating in the exchange: Ambetter.
There is also one off-exchange insurer: Blue Cross Blue Shield of Mississippi.
The average monthly premium for 2019 is projected to be $520—an increase of 0.2 percent since last year.
Roughly 96 percent of Mississippi residents using the exchange receive premium subsidies. In 2019, the
There is insufficient data to give QSEHRA average allowance amounts in Mississippi for 2017.
Missouri
Missouri residents use the federal exchange, Healthcare.gov.
2019 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 2019.
Participating insurance companies include:
- Healthy Alliance Life (Anthem)
- Cigna
- Celtic/Ambetter
- Medica
Medica is new to Missouri’s individual exchange.
The average monthly premium for 2019 is projected to be $539—an increase of 1.9 percent since last year.
Roughly 88 percent of Missouri residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Blue Cross Blue Shield of Montana
- Montana Health CO-OP
- PacificSource
The average monthly premium for 2019 is projected to be $557—an increase of 6 percent since last year.
Roughly 87 percent of Montana residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Nebraska has just one insurer participating in the exchange: Medica. There are no off-exchange insurers in Nebraska.
The average monthly premium for 2019 is projected to be $775—an increase of 1 percent since last year.
Roughly 95 percent of Nebraska residents using the exchange receive premium subsidies. In 2019, the
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 is in the process of setting up its own state-run exchange, Nevada Health Link, projected to be fully functioning by fall 2019. In the meantime, the state uses the federal exchange, Healthcare.gov.
2019 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 2019.
However, off-exchange plans are available in Nevada year-round without the need of a triggering qualifying life event, though there is a three-month waiting period for those without a qualifying life event or those applying outside of open enrollment.
Participating insurance companies include:
- Silver Summit
- Health Plan of Nevada (UnitedHealthcare)
Off-exchange insurers include:
- Health Plan of Nevada
- Sierra Health & Life
- Hometown Health Plan
- Hometown Health Providers
The average monthly premium for 2019 is projected to be $557—a decrease of 0.4 percent since last year.
Roughly 88 percent of Nevada residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Ambetter
- Anthem
- Harvard Pilgrim
The average monthly premium for 2019 is projected to be $411—a decrease of 13.5 percent since last year.
Roughly 76 percent of New Hampshire residents using the exchange receive premium subsidies. In 2019, the
New Jersey
New Jersey residents use the federal exchange, Healthcare.gov.
2019 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 2019.
Participating insurance companies include:
- AmeriHealth
- Horizon BCBS
- Oscar Health
There is one off-exchange insurer: Oxford (UnitedHealthcare).
The average monthly premium for 2019 is projected to be $437—a decrease of 9.3 percent since last year, thanks primarily to the state’s implementation of a state-level individual mandate reinsurance program.
Roughly 80 percent of New Jersey residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Blue Cross Blue Shield of New Mexico
- Christus
- Molina
- New Mexico Health Connections
There is one off-exchange insurer: Presbyterian Health Plan.
The average monthly premium for 2019 is projected to be $409—a decrease of 1 percent since last year.
Roughly 80 percent of New Mexico residents using the exchange receive premium subsidies. In 2019, the
New York
New York residents use the state exchange, New York State of Health.
2019 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 2019. 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
- Empire HealthChoice HMO
- 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
Two additional insurers, Crystal Run and HealthFirst Insurance Company, will be offering policies off the exchange.
The average monthly premium for 2019 is projected to be $506—an increase of 8.6 percent since last year. Health insurers had originally requested an average hike of 24 percent, but New York Governor Andrew Cuomo said he would order the state insurance agency to reject any rate increase related to the elimination of the individual mandate.
Roughly 57 percent of New York residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Ambetter (Centene)
- Blue Cross Blue Shield of North Carolina
- Cigna
Ambetter is a new addition to the exchange, filing to offer policies in the state for the first time in 2019.
The average monthly premium for 2019 is projected to be $601—a decrease of 4.1 percent since last year.
Roughly 94 percent of North Carolina residents using the exchange receive premium subsidies. In 2019, the
North Dakota
North Dakota residents use the federal exchange, HealthCare.gov.
2019 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 2019.
Participating insurance companies include:
- Blue Cross Blue Shield of North Dakota
- Medica
- Sanford
Medica is rejoining the exchange after exiting at the end of 2017.
The average monthly premium for 2019 is projected to be $405—an increase of 7.4 percent since last year.
Roughly 87 percent of North Dakota residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
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 is one new insurer entering the exchange this year: Oscar Buckeye State Insurance Corporation. Anthem is rejoining as Community Insurance Company after departing in 2018, and CareSource, Medical Health Insuring Corp. of
The average monthly premium for 2019 is projected to be $394—an increase of 6.3 percent since last year. Insurers had originally requested an increase of 8.3 percent, but that fell slightly after revisions were made.
Roughly 77 percent of Ohio residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Blue Cross Blue Shield of Oklahoma
- CommunityCare HMO
CommunityCare HMO is a new addition to the exchange, which has featured just one insurer since 2017.
The average monthly premium for 2019 is projected to be $646—a decrease of nearly 2 percent since last year.
Roughly 95 percent of Oklahoma residents using the exchange receive premium subsidies. In 2019, the
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 residents use the federal exchange, HealthCare.gov.
2019 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 2019.
Participating insurance companies include:
- BridgeSpan Health Company
- Health Net Health Plan of Oregon
- Kaiser Foundation
Healthplan of the NW - Moda Health Plan
- PacificSource Health Plans
- Providence Health Plan
- Regence BlueCross BlueShield of Oregon
- Samaritan
- United Healthcare
The average monthly premium for 2019 is projected to be $446—an increase of 7.8 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 77 percent of Oregon residents using the exchange receive premium subsidies. In 2019, the
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 use the federal exchange, HealthCare.gov.
2019 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 2019.
Participating insurance companies include:
- Capital Advantage Assurance Company
- Centene
- First Priority Health
- First Priority Life Insurance Company
- Geisinger Health Plan
- Geisinger Quality Options
- Highmark Choice Company
- Highmark Health Insurance Company
- Highmark Inc.
- Independence Blue Cross
- Keystone Health Plan Central
- Keystone Health Plan East
- PA Health & Wellness
- UPMC Health Coverage
There is one new insurer this year: PA Health & Wellness. Four more will expand their coverage areas to new counties.
The average monthly premium for 2019 is projected to be $562—a decrease of 2.3 percent since last year. Pennsylvania Insurance Commissioner Jessica Altman said the rate decreases are a result of insurers learning more about the health of enrollees, as well as a change in the way the state factors in the federal cost-reduction program.
Roughly 89 percent of Pennsylvania residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
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
The average monthly premium for 2019 is projected to be $341—an increase of 9.7 percent since last year.
Roughly 81 percent of Rhode Island residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Blue Cross Blue Shield of South Carolina
Blue Cross Blue Shield of South Carolina continues to be the only insurer on the exchange, though Blue Choice Health Plan is offering policies off the exchange.
The average monthly premium for 2019 is projected to be $568—an increase of 9.2 percent since last year. This is down markedly from the 31 percent increase that took place in 2018.
Roughly 93 percent of South Carolina residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
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 2019 is projected to be $539—an increase of nearly 3.5 percent since last year.
Roughly 93 percent of South Dakota residents using the exchange receive premium subsidies. In 2019, the
In 2017, small businesses using a QSEHRA in South Dakota offered an average $833.33 per employee per month—the 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.
2019 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 2019.
Participating insurance companies include:
- Blue Cross Blue Shield of Tennessee
- Bright Health of Tennessee
- Celtic (Centene)
- Cigna
- Oscar
This is an increase of two insurers since last year: Bright Health of Tennessee and Celtic. It’s also a material improvement in choice since
The average monthly premium for 2019 is projected to be $700—a decrease of nearly 6 percent since last year. The drop is primarily due to the increase in competition in the state.
Roughly 90 percent of Tennessee residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
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 2018.
The average monthly premium for 2019 is projected to be $441—an increase of 1.5 percent since last year.
Roughly 90 percent of Texas residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- BridgeSpan Health Company
- Molina
- Regence BlueCross BlueShield of Utah
- SelectHealth
- University of Utah Health Insurance Plans
Molina rejoined the exchange after exiting for the 2018 season.
The average monthly premium for 2019 is projected to be $542—a decrease of 1.5 percent since last year. Premiums for gold-level plans increased by an
Roughly 92 percent of Utah residents using the exchange receive premium subsidies. In 2019, the
Vermont
Vermont residents use the state exchange, Vermont Health Connect.
2019 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 2019.
Participating insurance companies include:
- MVP
- BCBSVT
These two insurers also offered coverage in 2018.
The average monthly premium for 2019 is projected to be $548—an increase of 9 percent since last year.
Roughly 82 percent of Vermont residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
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
This represents an increase of one insurer since last year: Virginia Premier.
The average monthly premium for 2019 is projected to be $584—an increase of 9 percent since last year. The rate is slightly lower than the 13 percent increase originally requested, following review by the Virginia Bureau of Insurance.
Roughly 87 percent of Virginia residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Asuris Northwest Health
- BridgeSpan Health Company
- Coordinated Care
- Health Alliance Northwest Health Plan
- Kaiser Foundation Health Plan of Washington
- Kaiser Foundation Health Plan of the NW
- LifeWise Health Plan of WA
- Molina Healthcare of Washington
- Premera Blue Cross
- Regence BlueCross BlueShield of Oregon
- Regence BlueShield
Though this is the same number of insurers that offered policies last year, two insurers—Premera and LifeWise—are shrinking their coverage areas.
The average monthly premium for 2019 is projected to be $380—an increase of 13 percent since last year. Originally, insurers had filed requests for an average increase of 19 percent, but Washington Insurance Commissioner Mike
Roughly 63 percent of Washington residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
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 2019 is projected to be $626—an increase of 15 percent since last year.
Roughly 89 percent of West Virginia residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
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
- Security Health Plan of Wisconsin, Inc.
- Unity Health Insurance
This represents an increase of one insurer since last year, bringing the total to 12 insurance companies offering coverage in the state. Coverage is localized, however, and many counties in the north have just one or two insurers offering policies.
The average monthly premium for 2019 is projected to be $549—a decrease of 3.5 percent since last year. This is due primarily to the state’s new reimbursement program, which was recently approved for federal funding.
Roughly 88 percent of Wisconsin residents using the exchange receive premium subsidies. In 2019, the
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.
2019 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 2019.
Participating insurance companies include:
- Blue Cross Blue Shield of Wyoming
This is the fourth year Wyoming has had just one insurer on its exchange.
The average monthly premium for 2019 is projected to be $863—a decrease of 0.3 percent since last year.
Roughly 95 percent of Wyoming residents using the exchange receive premium subsidies. In 2019, the
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.
