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Open Enrollment 2022-2023

The ultimate state-by-state guide

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

 

When is 2023 open enrollment?

Open enrollment for 2023 coverage for most states is from November 1 to January 15. However, you'll need to enroll by December 15 for coverage that starts on January 1.

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

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

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

Skip to your state by letter

2023 individual insurance open enrollment by state

A

Where do I shop for insurance in Alabama?

Alabama residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Alabama?

November 1, 2022 - January 15, 2023

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

Outside of that window, Alabama residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Alabama

  • Blue Cross Blue Shield of Alabama
  • Bright Health

 

What are the 2023 insurance rates for Alabama?

The benchmark monthly premium rate for 2023 decreased 5.0% from 2022 to $465.*

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

 

What are the best HRA options in Alabama?

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

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

 

What are the enrollment statistics for Alabama health insurance?

  • Individual health insurance. 207,967 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the 2022 open enrollment period. Of these, roughly 97 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 1,126,491 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 1,077,001 beneficiaries of Medicare in Alabama.

 

Alabama health insurance resources

Where do I shop for insurance in Alaska?

Residents enroll through the federal exchange: HealthCare.gov.

 

When is open enrollment for Alaska?

November 1, 2022 - January 15, 2023

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

Outside of that window, Alaska residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Alaska

  • Premera
  • Moda

 

What are the 2023 insurance rates for Alaska?

The benchmark monthly premium rate for 2023 increased 7.0% from 2022 to $625.*

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

What are the best HRA options in Alaska?

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

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

 

What are the enrollment statistics for Alaska health insurance?

  • Individual health insurance. 21,536 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the 2022 open enrollment period. Of these, roughly 86 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 260,981 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 110,765 beneficiaries of Medicare in Alaska.

 

Alaska health insurance resources

Where do I shop for insurance in Arizona?

Arizona residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Arizona?

November 1, 2022 - January 15, 2023

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

Outside of that window, Arizona residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Arizona

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

 

What are the 2023 insurance rates for Arizona?

The benchmark monthly premium rate for 2023 increased 5.0% from 2022 to $336.*

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

 

What are the best HRA options in Arizona?

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

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

 

What are the enrollment statistics for Arizona health insurance?

  • Individual health insurance. Over 188,773 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the 2022 open enrollment period. Of these, roughly 84 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 2,216,371 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 1,416,905 beneficiaries of Medicare in Arizona.

 

Arizona health insurance resources

Where do I shop for insurance in Arkansas?

Arkansas residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Arkansas?

November 1, 2022 - January 15, 2023

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

Outside of that window, Arkansas residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Arkansas

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

 

What are the 2023 insurance rates for Arkansas?

The benchmark monthly premium rate for 2023 increased 7.0% from 2022 to $341.*

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

 

What are the best HRA options in Arkansas?

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

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

 

What are the enrollment statistics for Arkansas health insurance?

  • Individual health insurance. 81,576 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 91 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 1,005,799 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 656,121 beneficiaries of Medicare in Arkansas.

 

Arkansas health insurance resources

C

Where do I shop for insurance in California?

California residents use the Covered California state-based exchange.

 

When is open enrollment for California?

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

November 1, 2022 - January 31, 2023

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

Outside of that window, California residents with qualifying life changes can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in California

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

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

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

 

What are the 2023 insurance rates for California?

The projected average monthly premium rate for 2023 increased 6.0% from 2022 to $611

 

What are the best HRA options in California?

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

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

 

Some independent contractors are now eligible for benefits from their employer

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

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

 

Does California cap prescription costs?

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

What are the enrollment statistics for California health insurance

  • Individual health insurance. Over 1,756,788 residents enrolled in individual insurance through the CoveredCA exchange during the open enrollment period. Of these, roughly 90 percent receive premium subsidies.
  • Medicaid and CHIP. As of June 2022, 13,881,004 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 6,590,743 beneficiaries of Medicare in California.

Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.

 

California health insurance resources

Where do I shop for insurance in Colorado?

Colorado residents use the state-based exchange: ConnectforHealthColorado.

 

When is open enrollment for Colorado?

November 1, 2022 - January 15, 2023

Enrollments completed by December 15, 2022 will have coverage effective January 1, 2023. Enrollments completed between December 16 and January 15 will have coverage effective February 1, 2023.

Outside of that window, Colorado residents with qualifying life changes can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Colorado

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

 

What are the 2023 insurance rates for Colorado?

The average monthly premium rate for 2023 decreased 11% from 2022 to $519

 

What are the best HRA options in Colorado?

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

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

 

What are the enrollment statistics for Colorado health insurance?

  • Individual health insurance. 177,137 residents enrolled in health insurance plans through Connect for Health Colorado during the open enrollment period. Of these, roughly 75 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 1,630,445 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 978,405 beneficiaries of Medicare in Colorado.

 

Colorado health insurance resources

Where do I shop for insurance in Connecticut?

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

 

When is open enrollment for Connecticut?

November 1, 2022 - January 15, 2023

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

Outside of that window, Connecticut residents with qualifying life event can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Connecticut

  • Anthem
  • Connecticare Benefits

 

What are the 2023 insurance rates for Connecticut?

The average monthly premium rate for 2023 increased 13% from 2022 to $836

 

What are the best HRA options in Connecticut?

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

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

 

What are the enrollment statistics for Connecticut health insurance?

  • Individual health insurance. 95,718 residents enrolled in health insurance plans through Access Health CT during the open enrollment period. Of these, roughly 82 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 973,657 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 712,549beneficiaries of Medicare in Connecticut.

 

Connecticut health insurance resources

D-F

Where do I shop for insurance in Delaware?

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

 

When is open enrollment for Delaware?

November 1, 2022 - January 15, 2023

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

Outside of that window, Delaware residents with qualifying events can still enroll or make changes to their coverage for 2023.

Participating insurance carriers in Delaware

  • Highmark

 

What are the 2023 insurance rates for Delaware?

The benchmark monthly premium rate for 2023 stayed the same from 2022 to $450.*

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

 

What are the best HRA options in Delaware?

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

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

 

What are the enrollment statistics for Delaware health insurance?

  • Individual health insurance. 30,326  residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 90 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 289,032 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 227,302 beneficiaries of Medicare in Delaware.

 

Delaware health insurance resources

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

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

 

When is open enrollment for Washington D.C.?

November 1, 2022 - January 31, 2023

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

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

 

Participating insurance carriers in Washington D.C.

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

 

What are the 2023 insurance rates for Washington D.C.?

The average monthly premium rate for 2023 increased 14.0% from 2022 to $635

 

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

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

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

 

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

  • Individual health insurance. 14,121 residents enrolled in health insurance plans through DC Health Link during 2022 open enrollment. Of these, roughly 16 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 285,811 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 94,114 beneficiaries of Medicare in Washington D.C.

 

Washington D.C. health insurance resources

Where do I shop for insurance in Florida?

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

 

When is open enrollment for Florida?

November 1, 2022 - January 15, 2023

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

Outside of that window, Florida residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Florida

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

 

What are the 2023 insurance rates for Florida?

The benchmark monthly premium rate for 2023 increased 3.0% from 2022 to $386.*

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

 

What are the best HRA options in Florida?

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

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

 

What are the enrollment statistics for Florida health insurance?

  • Individual health insurance. 2,623,424 Floridians enrolled in exchange plans for 2021. Of these, roughly 97 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid/CHIP. As of June 2022,
    4,704,468 residents were enrolled in Medicaid/CHIP.
  • Medicare. As of June 2022, there were 4,877,577 Florida residents enrolled in Medicare.

 

Key insurance legislation and protection in Florida

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

“Balance bills” primarily occur in two circumstances:

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

 

Florida health insurance resources

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

Where do I shop for insurance in Georgia?

Georgia residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Georgia?

November 1, 2022 - January 15, 2023

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

Outside of that window, Georgia residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Georgia

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

 

What are the 2023 insurance rates for Georgia? 

The benchmark monthly premium rate for 2023 increased 5.0% from 2022 to $339.*

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

What are the best HRA options in Georgia?

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

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

 

What are the enrollment statistics for Georgia health insurance?

  • Individual health insurance. Over 657,989 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 93 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 2,372,690 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 1,835,349 beneficiaries of Medicare in Georgia.

 

Georgia health insurance resources

Where do I shop for insurance in Hawaii?

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

 

When is open enrollment for Hawaii?

November 1, 2022 - January 15, 2023

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

Outside of that window, Hawaii residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Hawaii

  • HMSA
  • Kaiser

 

What are the 2023 insurance rates for Hawaii?

The benchmark monthly premium rate for 2023 decreased 3.0% from 2022 to $385.*

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

What are the best HRA options in Hawaii?

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

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

 

What are the enrollment statistics for Hawaii health insurance?

  • Individual health insurance. 20,994 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 84 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 430,705 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 292,953 beneficiaries of Medicare in Hawaii.

 

Hawaii health insurance resources

I

Where do I shop for insurance in Idaho?

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

 

When is open enrollment for Idaho?

October 15, 2022 - December 15, 2022

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

 

Participating insurance carriers in Idaho

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

 

What are the 2023 insurance rates for Idaho?

The projected average monthly premium rate for 2023 decreased 4.0% from 2022 to $490

 

What are the best HRA options in Idaho?

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

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

 

What are the enrollment statistics for Idaho health insurance?

  • Individual health insurance. Over 71,380 residents enrolled in health insurance plans during the 2022 open enrollment period. Of these, roughly 81 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 419,671 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 368,661 beneficiaries of Medicare in Idaho.

 

Idaho health insurance resources

  • Idaho Department of Insurance. Regulates health insurance companies, agents, and brokers.
  • Idaho Senior Health Insurance Benefits Advisors (SHIBA). Provides information and education for Medicare beneficiaries and their caregivers.
  • Medicare Rights Center. Offers assistance with Medicare-related questions.
  • Idaho Medicaid. Provides healthcare benefits for low-income Idaho residents.

Where do I shop for insurance in Illinois

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

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

 

When is open enrollment for Illinois?

November 1, 2022 - January 15, 2023

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

Outside of that window, Illinois residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Illinois

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

 

What are the 2023 insurance rates for Illinois?

The benchmark monthly premium rate for 2023 increased 8.0% from 2022 to $372.*

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

 

What are the best HRA options in Illinois?

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

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

 

What are the enrollment statistics for Illinois health insurance?

  • Individual health insurance. 303,941 people enrolled in qualified health plans (QHPs) through the Illinois health insurance marketplace during the open enrollment period. Of these, roughly 88 percent of Illinois residents using the exchange receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 3,634,280 residents were enrolled in Medicaid or CHIP.
  • Medicare. As of June 2022, there were 2,310,069 beneficiaries of Medicare in Illinois, about 18 percent of the state’s population.

 

Key health insurance legislation and protection in Illinois

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

 

Illinois health insurance resources

Where do I shop for insurance in Indiana?

Indiana residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Indiana?

November 1, 2022 - January 15, 2023

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

Outside of that window, Indiana residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Indiana

  • CareSource
  • Celtic - aka MHS/Ambetter
  • Anthem

 

What are the 2023 insurance rates for Indiana?

The benchmark monthly premium rate for 2023 decreased 1.0% from 2022 to $325.*

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

 

What are the best HRA options in Indiana?

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

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

 

What are the enrollment statistics for Indiana health insurance?

  • Individual health insurance. Over 148,392 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 82 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 1,932,693 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 1,312,959 beneficiaries of Medicare in Indiana.

 

Indiana health insurance resources

Where do I shop for insurance in Iowa?

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

 

When is open enrollment for Iowa?

November 1, 2022 - January 15, 2023

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

Outside of that window, Iowa residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Iowa

  • Medica
  • Oscar - New
  • Wellmark

 

What are the 2023 insurance rates for Iowa?

The benchmark monthly premium rate for 2023 decreased 4.0% from 2022 to $397.*

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

 

What are the best HRA options in Iowa?

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

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

 

What are the enrollment statistics for Iowa health insurance?

  • Individual health insurance. 69,282  residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 90 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 820,964 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 654,783 beneficiaries of Medicare in Iowa.

 

Iowa health insurance resources

  • Consumer Advocate Bureau. Assistance with navigating the health care system, assistance programs, and other issues related to health insurance benefits.
K-L

Where do I shop for insurance in Kansas?

Kansas residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Kansas?

November 1, 2022 - January 15, 2023

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

Outside of that window, Kansas residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Kansas

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

 

What are the 2023 insurance rates for Kansas?

The benchmark monthly premium rate for 2023 increased 5% from 2022 to $387.*

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

What are the best HRA options in Kansas?

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

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

 

What are the enrollment statistics for Kansas health insurance?

  • Individual health insurance. 102,303 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 92 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 483,790 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 562,390 beneficiaries of Medicare in Kansas.

 

Kansas health insurance resources

Where do I shop for insurance in Kentucky?

Kentucky residents use the state exchange, Kynect.

When is open enrollment for Kentucky?

November 1, 2022 - January 15, 2023

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

Outside of that window, Kentucky residents with qualifying events can still enroll or make changes to their coverage for 2022.

Participating insurance carriers in Kentucky

  • Anthem
  • CareSource

 

What are the 2023 insurance rates for Kentucky?

The average monthly premium rate for 2023 increased by 6% from 2022 to $612.*

 

What are the best HRA options in Kentucky?

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

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

 

What are the enrollment statistics for Kentucky health insurance?

  • Individual health insurance. 67,635 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 84 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper-income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 1,564,321 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of September 2021, there were 955,942 beneficiaries of Medicare in Kentucky.

 

Kentucky health insurance resources

Where do I shop for insurance in Louisiana?

Louisiana residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Louisiana?

November 1, 2022 - January 15, 2023

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

Outside of that window, Louisiana residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Louisiana

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

 

What are the 2023 insurance rates for Louisiana?

The benchmark monthly premium rate for 2023 increased 4.0% from 2022 to $463.

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

 

What are the best HRA options in Louisiana?

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

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

 

What are the enrollment statistics for Louisiana health insurance?

  • Individual health insurance. 94,828 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 1,846,753 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 900,573 beneficiaries of Medicare in Louisiana.

 

Louisiana health insurance resources

M

Where do I shop for insurance in Maine?

Maine residents use the state exchange to enroll: coverme.gov

When is open enrollment for Maine?

November 1, 2022 - January 15, 2023

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

Outside of that window, Maine residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Maine

  • Anthem
  • Harvard Pilgrim
  • Maine Community Health Options

 

What are the 2023 insurance rates for Maine?

The average monthly premium rate for 2023 increased 11% from 2022 to $617.*

 

What are the best HRA options in Maine?

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

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

 

What are the enrollment statistics for Maine health insurance?

  • Individual health insurance. 62,666 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 84 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 350,493 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 361,498 beneficiaries of Medicare in Maine.

 

Maine health insurance resources

Where do I shop for insurance in Maryland?

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

 

When is open enrollment for Maryland?

November 1, 2022 - January 15, 2023

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

Outside of that window, Maryland residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Maryland

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

 

What are the 2023 insurance rates for Maryland?

The average monthly premium rate for 2023 increased 7% from 2022 to $476

 

What are the best HRA options in Maryland?

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

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

 

What are the enrollment statistics for Maryland health insurance?

  • Individual health insurance. 167,355 residents enrolled in qualified plans during the open enrollment period. Of these, roughly 77 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 1,632,584 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 1,088,869 beneficiaries of Medicare in Maryland.

 

Maryland health insurance resources

Where do I shop for insurance in Massachusetts?

Massachusetts residents use the state exchange Massachusetts Health Connector.

 

When is open enrollment for Massachusetts?

November 1, 2022 – January 23, 2023

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

Outside of that window, Massachusetts residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Massachusetts

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

 

What are the 2023 insurance rates for Massachusetts?

The average monthly premium rate for 2022 increased 2% from 2021 to $470

 

What are the best HRA options in Massachusetts?

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

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

 

What are the enrollment statistics for Massachusetts health insurance?

  • Individual health insurance. Over 231,695 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 78 percent receive federal premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 1,906,436 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 1,391,813 beneficiaries of Medicare in Massachusetts.

 

Massachusetts health insurance resources

Where do I shop for insurance in Michigan?

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

 

When is open enrollment for Michigan?

November 1, 2022 - January 15, 2023

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

Outside of that window, Michigan residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Michigan

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

 

What are the 2023 insurance rates for Michigan?

The benchmark monthly premium rate for 2023 increased 6% from 2022 to $297.*

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

 

What are the best HRA options in Michigan?

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

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

 

What are the enrollment statistics for Michigan health insurance?

  • Individual health insurance. Over 288,211 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 86 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 2,938,885 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of September 2021, there were 2,152,256 beneficiaries of Medicare in Michigan.

 

Michigan health insurance resources

Where do I shop for insurance in Minnesota?

Minnesota residents use the state-based exchange: MNsure.

 

When is open enrollment for Minnesota?

November 1, 2022 - January 15, 2023

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

Outside of that window, Minnesota residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Minnesota

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

 

What are the 2023 insurance rates for Minnesota?

The average monthly premium rate for 2023 increased 2% from 2021 to $488.

 

What are the best HRA options in Minnesota?

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

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

 

What are the enrollment statistics for Minnesota health insurance?

  • Individual health insurance. 115,072 residents enrolled in qualified plans. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022,
    1,316,213 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 1,087,050 beneficiaries of Medicare in Minnesota.

 

Minnesota health insurance resources

Where do I shop for insurance in Mississippi?

Mississippi residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Mississippi?

November 1, 2022 - January 15, 2023

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

Outside of that window, Mississippi residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Mississippi

  • Molina
  • Ambetter/Magnolia

 

What are the 2023 insurance rates for Mississippi?

The benchmark monthly premium rate for 2023 increased 3% from 2022 to $378.*

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

What are the best HRA options in Mississippi?

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

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

 

What are the enrollment statistics for Mississippi health insurance?

  • Individual health insurance. 131,686 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 98 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 740,167 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 618,348 beneficiaries of Medicare in Mississippi.

 

Mississippi health insurance resources

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

Where do I shop for insurance in Missouri?

Missouri residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Missouri?

November 1, 2022 - January 15, 2023

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

Outside of that window, Missouri residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Missouri

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

 

What are the 2023 insurance rates for Missouri?

The benchmark monthly premium rate for 2023 increased 7% from 2022 to $388.*

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

 

What are the best HRA options in Missouri?

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

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

 

What are the enrollment statistics for Missouri health insurance?

  • Individual health insurance. Over 236,599 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 91 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 1,282,993 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 1,275,004 beneficiaries of Medicare in Missouri

 

Missouri health insurance resources

Where do I shop for insurance in Montana?

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

 

When is open enrollment for Montana?

November 1, 2022 - January 15, 2023

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

Outside of that window, Montana residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Montana

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

 

What are the 2023 insurance rates for Montana?

The benchmark monthly premium rate for 2023 decreased 1% from 2022 to $391

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

 

What are the best HRA options in Montana?

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

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

 

What are the enrollment statistics for Montana health insurance?

  • Individual health insurance. 49,482 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 88 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 311,394 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 248,370 beneficiaries of Medicare in Montana.

 

Montana health insurance resources

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Where do I shop for insurance in Nebraska?

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

 

When is open enrollment for Nebraska?

November 1, 2022 - January 15, 2023

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

Outside of that window, Nebraska residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Nebraska

  • Bright Health
  • Medica

 

What are the 2023 insurance rates for Nebraska? 

The average monthly premium rate for 2023 decreased 7% from 2022 to $451.

 

What are the best HRA options in Nebraska?

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

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

 

What are the enrollment statistics for Nebraska health insurance?

  • Individual health insurance. 93,972 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 96 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 368,348 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 365,212 beneficiaries of Medicare in Nebraska.

 

Nebraska health insurance resources

Where do I shop for insurance in Nevada?

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

 

When is open enrollment for Nevada?

November 1, 2022 - January 15, 2023

For coverage beginning January 1 you must enroll by December 31. Coverage purchased by January 15 will start February 1.

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

 

Participating insurance carriers in Nevada

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

 

What are the 2023 insurance rates for Nevada?

The average monthly premium rate for 2023 increased 9% from 2022 to $447

 

What are the best HRA options in Nevada?

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

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

 

What are the enrollment statistics for Nevada health insurance?

  • Individual health insurance. 98,278 residents enrolled in health insurance plans. Of these, roughly 88 percent receive premium subsidies.Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 865,597 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 568,833 beneficiaries of Medicare in Nevada.

 

Nevada health insurance resources

Where do I shop for insurance in New Hampshire?

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

 

When is open enrollment for New Hampshire?

November 1, 2022 - January 15, 2023

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

Outside of that window, New Hampshire residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in New Hampshire

  • Ambetter/Celtic
  • Anthem
  • Harvard Pilgrim

What are the 2023 insurance rates for New Hampshire?

The benchmark monthly premium rate for 2023 increased 5% from 2022 to $265.*

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

 

What are the best HRA options in New Hampshire?

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

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

 

What are the enrollment statistics for New Hampshire health insurance?

  • Individual health insurance. 50,106 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 71 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 240,796 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 323,325 beneficiaries of Medicare in New Hampshire.

 

New Hampshire health insurance resources

Where do I shop for insurance in New Jersey?

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

 

When is open enrollment for New Jersey?

November 1, 2022 - January 31, 2023

Residents who enroll by December 31, will have coverage starting January 1. Residents who enroll in January, will have coverage starting February 1. Outside of that window, New Jersey residents with qualifying events can still enroll or make changes to their coverage for 2023.

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

Participating insurance carriers in New Jersey

  • AmeriHealth
  • Oscar
  • Horizon

 

What are the 2023 insurance rates for New Jersey?

The average monthly premium rate for 2023 increased 9% from 2022 to $675

 

What are the best HRA options in New Jersey?

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

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

 

What are the enrollment statistics for New Jersey health insurance?

  • Individual health insurance. Over 312,823 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period of 2020. Roughly 87 percent of enrollees received subsidies.
  • Medicaid and CHIP. As of June 2022, 2,129,804 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 1,677,555 beneficiaries of Medicare in New Jersey.

 

What residents should know about GetCoveredNJ?

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

 

New Jersey health insurance resources

 

Where do I shop for insurance in New Mexico?

New Mexico residents use the state exchange to enroll: BeWellnm

 

When is open enrollment for New Mexico?

November 1, 2022 - January 15, 2023

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

Outside of that window, New Mexico residents with qualifying events can still enroll or make changes to their coverage for 2023.

Participating insurance carriers in New Mexico

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

 

What are the 2023 insurance rates for New Mexico? 

The average monthly premium rate for 2023 increased 11% from 2022 to $601.

 

What are the best HRA options in New Mexico?

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

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

 

What are the enrollment statistics for New Mexico health insurance?

  • Individual health insurance. 35,837 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 77 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 874,678 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 443,998 beneficiaries of Medicare in New Mexico.

 

New Mexico health insurance resources

Where do I shop for insurance in New York?

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

 

When is open enrollment for New York?

November 16, 2022 - January 31, 2023

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

Outside of that window, New York residents with qualifying events can still enroll or make changes to their coverage for 2023.

Participating insurance carriers in New York

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

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

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

 

What are 2023 insurance rates for New York?

The average monthly premium rate for 2023 increased 10% from 2022 to $667

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

 

What are the best HRA options in New York?

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

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

 

What are the enrollment statistics for New York health insurance?

  • Individual health insurance. 204,816 were enrolled in qualified health plans (QHPs) during the open enrollment period.
  • Medicaid and CHIP. 7,210,643 were enrolled, as of June 2022.
  • Medicare. 3,746,108 New Yorkers were enrolled in Medicare as of June 2022.

 

New York health insurance resources

Where do I shop for insurance in North Carolina?

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

 

When is open enrollment for North Carolina?

November 1, 2022 - January 15, 2023

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

Outside of that window, North Carolina residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in North Carolina

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

 

What are the 2023 insurance rates for North Carolina?

The benchmark monthly premium rate for 2023 increased 2% from 2022 to $420.*

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

 

What are the best HRA options in North Carolina?

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

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

 

What are the enrollment statistics for North Carolina health insurance?

  • Individual health insurance. Over 641,750 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 95 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 2,249,516 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 2,106,687 beneficiaries of Medicare in North Carolina.

 

North Carolina health insurance resources

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

 

Where do I shop for insurance in North Dakota?

Residents enroll through the federal exchange: HealthCare.gov.

 

When is open enrollment for North Dakota?

November 1, 2022 - January 15, 2023

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

Outside of that window, North Dakota residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in North Dakota

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

 

What are the 2023 insurance rates for North Dakota?

The benchmark monthly premium rate for 2023 decreased 4.0% from 2022 to $$390.

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

 

What are the best HRA options in North Dakota?

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

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

 

What are the enrollment statistics for North Dakota health insurance?

  • Individual health insurance. 29,217 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 91 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 122,782 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 139,817 beneficiaries of Medicare in North Dakota.

 

North Dakota health insurance resources

O

Where do I shop for insurance in Ohio

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

 

When is open enrollment for Ohio?

November 1, 2022 - January 15, 2023

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

Outside of that window, Ohio residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Ohio

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

 

What are the 2023 insurance rates for Ohio?

The benchmark monthly premium rate for 2023 increased 10% from 2022 to $338.*

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

 

What are the best HRA options in Ohio?

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

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

 

What are the enrollment statistics for Ohio health insurance?

  • Individual health insurance. Nearly 245,679 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 80 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 3,256,033 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 2,426,512 beneficiaries of Medicare in Ohio.

 

Ohio health insurance resources

Where do I shop for insurance in Oklahoma?

Oklahoma residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Oklahoma?

November 1, 2022 - January 15, 2023

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

Outside of that window, Oklahoma residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Oklahoma

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

 

What are the 2023 insurance rates for Oklahoma?

The benchmark monthly premium rate for 2023 increased 2% from 2022 to $418.*

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

 

What are the best HRA options in Oklahoma?

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

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

 

What are the enrollment statistics for Oklahoma health insurance?

  • Individual health insurance. 180,276 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 96 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 1,217,200 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 768,836 beneficiaries of Medicare in Oklahoma.

 

Oklahoma health insurance resources

Where do I shop for insurance in Oregon?

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

 

When is open enrollment for Oregon?

November 1, 2022 - January 15, 2023

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

Outside of that window, Oregon residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Oregon

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

 

What are the 2023 insurance rates for Oregon?

The benchmark monthly premium rate for 2023 increased 4% from 2022 to $378.*

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

 

What are the best HRA options in Oregon?

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

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

 

What are the enrollment statistics for Oregon health insurance?

  • Individual health insurance. 137,128 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 80 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 1,307,811 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 910,703 beneficiaries of Medicare in Oregon.

 

Oregon health insurance resources

P-S

Where do I shop for insurance in Pennsylvania

Pennsylvania runs their own state-based marketplace called “Pennie.”

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

 

When is open enrollment for Pennsylvania?

November 1, 2022 - January 15, 2023

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

Outside of that window, Pennsylvania residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Pennsylvania

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

 

What are the 2023 insurance rates for Pennsylvania?

The average monthly premium rate for 2023 increased 6% from 2022 to $650

 

What are the best HRA options in Pennsylvania?

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

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

 

What are the enrollment statistics for Pennsylvania health insurance?

  • Individual health insurance. Over 360,794 residents enrolled in qualified health plans (QHPs) through Healthcare.gov for the Pennsylvania state exchange during the open enrollment period. Of these enrollees, roughly 90 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 3,563,325 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 2,830,576 beneficiaries of Medicare in Pennsylvania.

 

Pennsylvania health insurance resources

Where do I shop for insurance in Rhode Island?

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

 

When is open enrollment for Rhode Island?

November 1, 2022 – January 31, 2023

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

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

 

Participating insurance carriers in Rhode Island

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

 

What are the 2023 insurance rates for Rhode Island?

The average monthly premium rate for 2023 increased 6% from 2022 to $506

 

What are the best HRA options in Rhode Island?

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

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

 

What are the enrollment statistics for Rhode Island health insurance?

  • Individual health insurance. 32,438 residents enrolled in health insurance plans during open enrollment. Of these, roughly 84 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 351,936 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 231,226 beneficiaries of Medicare in Rhode Island.

 

Rhode Island health insurance resources

Where do I shop for insurance in South Carolina?

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

 

When is open enrollment for South Carolina?

November 1, 2022 - January 15, 2023

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

Outside of that window, South Carolina residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in South Carolina

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

 

What are the 2023 insurance rates for South Carolina?

The benchmark monthly premium rate for 2023 increased 11% from 2022 to $406.*

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

 

What are the best HRA options in South Carolina?

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

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

 

What are the enrollment statistics for South Carolina health insurance?

  • Individual health insurance. 286,011 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 95 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 1,252,640 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 1,152,783 beneficiaries of Medicare in South Carolina.

 

South Carolina health insurance resources

Where do I shop for insurance in South Dakota?

Residents enroll through the federal exchange: HealthCare.gov.

 

When is open enrollment for South Dakota?

November 1, 2022 - January 15, 2023

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

Outside of that window, South Dakota residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in South Dakota

  • Avera
  • Sanford

 

What are the 2023 insurance rates for South Dakota?

The benchmark monthly premium rate for 2023 increased 4% from 2022 to $513.

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

 

What are the best HRA options in South Dakota?

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

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

 

What are the enrollment statistics for South Dakota health insurance?

  • Individual health insurance. 39,891 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 95 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 139,712 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 188,203 beneficiaries of Medicare in South Dakota.

 

South Dakota health insurance resources

T-V

Where do I shop for insurance in Tennessee?

Tennessee residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Tennessee?

November 1, 2022 - January 15, 2023

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

Outside of that window, Tennessee residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Tennessee

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

 

What are the 2023 insurance rates for Tennessee?

The benchmark monthly premium rate for 2023 increased 7% from 2022 to $388.*

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

 

What are the best HRA options in Tennessee?

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

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

 

What are the enrollment statistics for Tennessee health insurance?

  • Individual health insurance. 259,309 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 92 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 1,725,131 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 1,416,560 beneficiaries of Medicare in Tennessee.

 

Tennessee health insurance resources

Where do I shop for health insurance in Texas?

Residents enroll on the federal exchange at: HealthCare.gov

 

When is open enrollment for Texas?

November 1, 2022 - January 15, 2023

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

Outside of that window, Texas residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Texas

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

 

What are the 2023 insurance rates for Texas?

The benchmark monthly premium rate for 2023 increased 8% from 2022 at $378.*

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

 

What are the best HRA options in Texas?

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

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

 

What are the enrollment statistics for Texas health insurance?

  • Individual health insurance. 1,743,005 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 95 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 5,467,047 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 4,464,156 beneficiaries of Medicare in Texas.

 

Key healthcare legislation

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

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

 

Texas health insurance resources

Where do I shop for insurance in Utah?

Utah residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Utah?

November 1, 2022 - January 15, 2023

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

Outside of that window, Utah residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Utah

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

 

What are the 2023 insurance rates for Utah?

The benchmark monthly premium rate for 2023 increased 3% from 2022 to $443.*

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

 

What are the best HRA options in Utah?

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

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

 

What are the enrollment statistics for Utah health insurance?

  • Individual health insurance. 249,718 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 94 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 460,578 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 435,627 beneficiaries of Medicare in Utah.

 

Utah health insurance resources

Where do I shop for insurance in Vermont?

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

 

When is open enrollment for Vermont?

November 1, 2022 - January 15, 2023

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

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

 

Participating insurance carriers in Vermont

  • MVP
  • Blue Cross Blue Shield of Vermont

What are the 2023 insurance rates for Vermont?

The average monthly premium rate for 2023 increased 15% from 2022 to $797

 

What are the best HRA options in Vermont?

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

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

 

What are the enrollment statistics for Vermont health insurance?

  • Individual health insurance. 25,799 residents enrolled in health insurance plans  during open enrollment. Of these, roughly 88 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 188,533 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 157,658 beneficiaries of Medicare in Vermont.

 

Vermont health insurance resources

Where do I shop for insurance in Virginia?

Virginia residents use the federal exchange, HealthCare.gov.

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

 

When is open enrollment for Virginia?

November 1, 2022 - January 15, 2023

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

Outside of that window, Virginia residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Virginia

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

 

What are the 2023 insurance rates for Virginia?

The benchmark monthly premium rate for 2023 decreased 18% from 2022 to $304.*

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

 

What are the best HRA options in Virginia?

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

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

 

What are the enrollment statistics for Virginia health insurance?

  • Individual health insurance. Over 293,823 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 90 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 1,911,480 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 1,597,238 beneficiaries of Medicare in Virginia.

 

Virginia health insurance resources

W

Where do I shop for health insurance in Washington state?

Residents enroll on the state exchange: Washington Healthplanfinder.

 

When is open enrollment for Washington?

November 1, 2022 - January 15, 2023

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

Outside of that window, Washington residents with qualifying events can still enroll or make changes to their coverage for 2023.

Participating insurance carriers in Washington

The following carriers offer plans on the Washington state exchange:

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

* Will offer public option plans (see below)

 

What are the 2023 insurance rates for Washington?

The average monthly premium rate for 2023 increased 8% from 2022 to $525

 

What are the best HRA options in Washington?

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

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

 

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

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

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

 

What are the enrollment statistics for Washington health insurance?

  • Individual health insurance. 210,862 residents enrolled in health insurance during open enrollment. Of these, roughly 70 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid/CHIP. As of June 2022, 2,108,554 Washington residents enrolled in Medicaid/CHIP.
  • Medicare. As of June 2022, there were 1,451,812 Washington residents with Medicare coverage. 

 

Washington health insurance resources

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

Where do I shop for insurance in West Virginia?

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

 

When is open enrollment for West Virginia?

November 1, 2022 - January 15, 2023

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

Outside of that window, West Virginia residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in West Virginia

  • Highmark Blue Cross Blue Shield
  • CareSource

 

What are the 2023 insurance rates for West Virginia?

The benchmark monthly premium rate for 2023 increased 9% from 2022 to $676.*

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

 

What are the best HRA options in West Virginia?

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

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

 

What are the enrollment statistics for West Virginia health insurance?

  • Individual health insurance. 21,531 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 95 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 62,5401 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 442,780 beneficiaries of Medicare in West Virginia.

 

West Virginia health insurance resources

Where do I shop for insurance in Wisconsin?

Wisconsin residents use the federal exchange, HealthCare.gov.

 

When is open enrollment for Wisconsin?

November 1, 2022 - January 15, 2023

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

Outside of that window, Wisconsin residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Wisconsin

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

 

What are the 2023 insurance rates for Wisconsin?

The benchmark monthly premium rate for 2023 increased 6% from 2022 to $374.*

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

 

What are the best HRA options in Wisconsin?

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

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

 

What are the enrollment statistics for Wisconsin health insurance?

  • Individual health insurance. 204,047 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 89 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 1,371,402 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 1,246,524 beneficiaries of Medicare in Wisconsin.

 

Wisconsin health insurance resources

Where do I shop for insurance in Wyoming?

Residents enroll through the federal exchange: HealthCare.gov.

 

When is open enrollment for Wyoming?

November 1, 2022 - January 15, 2023

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

Outside of that window, Wyoming residents with qualifying events can still enroll or make changes to their coverage for 2023.

 

Participating insurance carriers in Wyoming

  • Blue Cross Blue Shield of Wyoming

 

What are the 2023 insurance rates for Wyoming?

The benchmark monthly premium rate for 2023 increased 5% from 2022 to $658.*

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

 

What are the best HRA options in Wyoming?

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

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

 

What are the enrollment statistics for Wyoming health insurance?

  • Individual health insurance. 33,683 residents enrolled in qualified health plans (QHPs) through the Healthcare.gov marketplace during the open enrollment period. Of these, roughly 96 percent receive premium subsidies. Due to the changes made by the American Rescue Plan, there is no longer an upper income limit on premium tax credits. Anyone can access a tax credit if their premiums exceed 8.5 percent of their household income.
  • Medicaid and CHIP. As of June 2022, 76,122 residents were enrolled in Medicaid or CHIP (Children’s Health Insurance Program).
  • Medicare. As of June 2022, there were 119,892 beneficiaries of Medicare in Wyoming.

 

Wyoming health insurance resources


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