State-By-State Guide to Open Enrollment 2023

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

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

Alabama Department of Insurance. Regulates health insurance companies, agents, and brokers.
AIDS Alabama/Enroll Alabama.The federally-funded Navigator organization in Alabama.
Alabama State Health Insurance Assistance Program. Assistance and counseling for Medicare beneficiaries.
Alabama Medicaid Agency. Alabama state Medicaid office.
All Kids – Alabama Public Health. Low-cost healthcare coverage for children and teens under age 19 who live in Alabama.

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

AK Health Reform. Provides research, data and analysis regarding the state of health care in Alaska.
Denali KidCare. Healthcare for children.
United Way of Anchorage. The federally-funded Navigator organization in Alaska.
Alaska State Health Insurance Counseling and Assistance Programs (SHIP). Local information and assistance for Medicare beneficiaries.
Medicare Rights Center. National assistance for Medicare beneficiaries.

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

Arizona Department of Insurance. Regulates health insurance companies, agents, and brokers.
Arizona Association of Community Health Centers (AACHC)/Arizona Alliance for Community Health Centers. Serves as Arizona’s federally-funded Navigator organization that help individuals and families enroll in health coverage through the exchange.
Arizona Health Care Cost Containment System. Medicaid in Arizona. Provides health coverage to various low-income populations.
Medicare Rights Center. Website and call center for information and assistance to medicare beneficiaries and their caregivers.
Arizona State Health Insurance Assistance Program. Provides a variety of counseling, advice, and assistance with Medicare issues.

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

Arkansas Center for Health Improvement. Organization dedicated to improving the health of Arkansans through evidence-based research, public issue advocacy, and collaborative program development.
Arkansas Insurance Department Consumer Services Division. Assists consumers with questions and complaints about insurance.
ARKIDS 1ST. Health insurance for children.
Arkansas Senior Health Insurance Information Program. Medicare assistance.

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

California Association of Health Plans. A statewide trade association representing 45 full-service health care plans that provide coverage to more than 25 million Californians.
California Department of Health Care Services. The backbone of California’s health care safety net, helping millions of low-income and disabled Californians each and every day.
California Department of Managed Health Care. Protects consumers’ health care rights and ensures a stable health care delivery system.
California HealthCare Foundation. Agent for meaningful, measurable improvements in the way the health care delivery system provides care to the people of California, particularly those with low incomes and those whose needs are not well served by the status quo.
California One Care. An online organizing network that exists to activate and empower people like you into a grassroots and net-roots movement for universal health care in California.
California State Department of Insurance. The largest consumer protection agency in the state.
Health Access California. A statewide health care consumer advocacy coalition, advocating for quality, affordable health care for all Californians.

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

Colorado Child Health Plan Plus (CHP+). Assistance for children 18 and under and pregnant women 19 and older.
Colorado Division of Insurance. Regulates health insurance companies that offer plans in the state, as well as brokers and agents.
Colorado Department of Health Care Policy and Financing. Oversees Medicaid and CHP+ in Colorado.
Colorado.gov/Health. Resource for people with questions about health insurance in Colorado.
Colorado Senior Healthcare/Medicare resources. Provides information and assistance to Medicare beneficiaries and their caregivers.

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

Connecticut CHOICES Program. Enrollment assistance for Medicare beneficiaries
Connecticut Insurance Department. Regulates the state’s health insurance companies, brokers, and agents.
Husky Healthcare. Health coverage for lower income Connecticut residents.
Medicare Rights Center. Provides assistance and information to Medicare beneficiaries and their caregivers.

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

Delaware Healthy Children Program. Healthcare for children.
Delaware Department of Insurance. Regulates insurance companies, brokers, and agents who sell policies in the state.
Delaware Medical Assistance Portal. The state’s Medicaid site.
Delaware Medicare Assistance Bureau. Local assistance for Medicare beneficiaries.
Medicare Rights Center. National assistance for Medicare beneficiaries.

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

Washington D.C. Department of financial regulation. Where to file an insurance complaint.
Washington D.C. State Health Insurance Program. Assistance for Medicare beneficiaries.
Medicare Rights Center. Assistance with Medicare-related questions.

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:

When an enrollee receives emergency care either at an out-of-network facility or from an out-of-network provider
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.

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

Georgia Department of Community Health (DCH). The lead agency for Medicaid and also oversees the State Health Benefit Plan and Healthcare Facility Regulation Division (HFRD), impacting one in four Georgians.
Office of Insurance and Safety Fire Commissioner. Regulates and licenses health insurance products sold in the state, as well as the brokers and agents who sell them.
Georgia Cares State Health Insurance Assistance Program. Provides counseling and assistance for Medicare beneficiaries and their caregivers.
Georgia Association for Primary Health Care, Inc. (GAPHC). Serves as the state’s federally-funded Navigator organization, helping people enroll in private health plans or Medicaid on the exchange.
Medicare Rights Center. A national resource that includes a website and call center where people can get help with Medicare questions.

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

Hawaii health insurance information. Regulates health insurers, agents, and brokers.
Hawaii Medicaid. The state’s Medicaid site.

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

Get Covered Illinois. A state-run program includes a website, in-person assistance, and a help desk for HealthCare.gov.
Illinois Health Matters. Information resource on health care reform
Health Care Assistance. Serves residents enrolled in private health insurance.
Office Consumer Health Insurance and the Ombudsman for the Uninsured . Serves residents who are uninsured as well as residents who have health insurance problems or questions.

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

Indiana Department of Insurance. Regulates health insurance companies and brokers and agents who sell plans.
Affiliated Service Providers of Indiana, Inc. (ASPIN). The federally-funded Navigator organization in Indiana offers assistance for people enrolling in Medicaid or a private plan through the exchange.
Indiana State Health Insurance Assistance Information Program (SHIP). Provides help and information to Medicare beneficiaries and their caregivers.

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.

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

Kansas Insurance Department. Regulates insurance companies, agents, and brokers
Senior Health Insurance Counseling for Kansas (SHICK). Assistance for Medicare beneficiaries
Medicare Rights Center. Assistance for people with Medicare
Kansas Department of Health, KanCare & Medicaid. Resources for lower-income Kansans
KanCare managed care plans. Health insurance for children.

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

Kynect – Kentucky’s Healthcare Connection. Consumer site for Kentucky’s marketplace.
Kentucky Health Benefit Exchange. Administrative site for Kentucky’s marketplace.
Foundation for a Healthier Kentucky. Organization dedicated to addressing the unmet health needs of Kentuckians by developing and influencing policy, improving access to care, reducing health risks and disparities, and promoting health equity.
Kentucky Health Insurance Advocate, Kentucky Department of Insurance. Assists people insured by private health plans, Medicaid, or other plans, as well as those who are uninsured.

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

Department of Health & Hospitals. Louisiana Department of Health.
Louisiana Department of Insurance — Health Insurance Resources, Regulates insurance companies, agents, and brokers who sell plans in the state.
Medicare Rights Center. Information and assistance for Medicare beneficiaries.
Louisiana Senior Health Insurance Information Program. A resource for Medicare beneficiaries.
Louisiana Department of Health, Medicaid office. State Medicaid office.

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

Maine Bureau of Insurance. Regulates health insurance companies, agents, and brokers.
Maine State Health Insurance Assistance Program. Information and assistance for Medicare beneficiaries.

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

Maryland Department of Health. State Medicaid office.
Maryland Health Education and Advocacy Unit. Provides services to Marylanders who need assistance with consumer or health billing issues.
Health Care Access Maryland. Offers assistance on a variety of health care issues.
Maryland Senior Health Insurance Program (SHIP). Assists Medicare beneficiaries of any age in understanding their health insurance benefits, bills, and rights.

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

Children’s Medical Security Plan. Provides coverage for primary and preventive medical and dental services to uninsured children who do not qualify for any other MassHealth types of coverage other than MassHealth Limited.
Health Care for All – Massachusetts Consumer Assistance Program. 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.
Massachusetts Division of Insurance. Regulates health insurance companies, brokers, and agents.
Office of Patient Protection, Department of Public Health. Assists residents and other consumers who receive health coverage from a Massachusetts carrier, insurer, or HMO.
Medicare Rights Center. Provides assistance and information about a variety of Medicare issues.
Massachusetts’ SHINE Program (Serving the Health Insurance Needs of Everyone). The state’s Medicare counseling and assistance program.

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

Michigan Department of Insurance and Financial Services. Regulates health insurance companies, brokers, and agents and serves as a resource for Michigan residents with health insurance questions or complaints.
Arab Community Center for Economic & Social Services (ACCESS). The federally-funded Navigator organization provides outreach and enrollment assistance to Michigan residents who need help obtaining health insurance.
Michigan Medicare/Medicaid Assistance Program (MMAP). Provides health benefits counseling and assistance to Medicare and Medicaid beneficiaries.
Medicare Rights Center. Website and call center that provides assistance to Medicare beneficiaries who have questions about enrollment, eligibility, benefits, and claims.

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

Minnesota Department of Human Services, Health Care Coverage. Provides Medicare and Medicaid assistance.
Minnesota State Health Insurance Assistance Program. Information and resources for Minnesota Medicare beneficiaries.

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

Missouri Department of Insurance. Regulates health insurance plans as well as the brokers and agents who sell the plans.
Missouri HealthNet. Medicaid office for Missouri.
Missouri State Health Insurance Assistance Program (CLAIM). Help for Missouri residents with Medicare benefits.
Medicare Rights Center. Provides information and assistance about a wide range of Medicare-related issues.

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

First Choice Services. Federally funded Navigator for Montana.
Montana Medicaid and Health Montana Kids (HMK) Plus. Healthcare for children.
Montana Medicare 101. Information and assistance for Medicare beneficiaries.

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

Nebraska Department of Insurance’s Affordable Care Act page. Assistance with enrollment. Information about plan availability.
HRS Erase/Resolute. The federally-funded Navigator organization that can help Nebraska residents enroll in coverage through HealthCare.gov.
Senior Health (SHIIP). Enrollment advice and education for Medicare beneficiaries.

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

Nevada Governorʼs Office for Consumer Health Assistance. Serves all residents with health-related issues; benefits, denials, insured, uninsured, worker’s compensation, and hospital billing.
Medicare Rights Center. Provides assistance and information to Medicare beneficiaries and their caregivers.

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

New Hampshire Insurance Department. Regulates insurance companies, agents, and brokers.
Covering New Hampshire. Assistance with purchasing insurance.
New Hampshire Medicaid program. The state’s Medicaid site.
Medicare Right Center. Assistance and information for Medicare beneficiaries.
New Hampshire State Health Insurance Assistance Program. A local resource for Medicare beneficiaries.

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

New Jersey Department of Banking and Insurance, Insurance Division. Regulates insurance companies and brokers and agents who sell insurance.
New Jersey State Health Insurance Assistance Program. Answers questions about Medicare in New Jersey.
New Jersey Department of Human Services, Medicaid Office. The state Medicaid office.
Medicare Rights Center. Provides information and assistance to people with questions about Medicare benefits and enrollment.

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

Health Action New Mexico. Organization working to empower consumers to build healthy communities and secure better health care for their families.
beWellnm. The state’s exchange.
New Mexico Aging and Disability Resource Center. Resources for seniors and the disabled.
New Mexico Office of the Superintendent of Insurance. Regulates health insurance companies, brokers, and agents.

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

Community Health Advocates. New York State’s designated health care consumer assistance program since 2010.
Medicare Rights Center. Provides assistance and information to Medicare beneficiaries and their caregivers.

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

Children’s Health Insurance Program (North Dakota). Health insurance for children.
North Dakota Insurance Department. Regulates health insurance companies, brokers, and agents that sell in the state.
North Dakota State Health Insurance Counseling Program. Local assistance for Medicare beneficiaries.
Medicare Rights Center. National assistance for Medicare beneficiaries.

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

Ohio Department of Insurance. Regulates Ohio health insurance companies, brokers, and agents.
Ohio Senior Health Insurance Information Program. Offers counseling, education, and assistance for Medicare beneficiaries and their caregivers.
Medicare Rights Center. A national program offering assistance with Medicare-related questions.
CAP4Kids, Columbus area (Children’s Advocacy Project), A compilation of community resources aimed at improving the health of children.

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

Oklahoma Insurance Department. Regulates health insurance companies, brokers, and agents, and can address consumers’ questions and complaints.
Legal Aid Services of Oklahoma. The federally-funded Navigator organization in Oklahoma.
Oklahoma Medicare Assistance Program. Assistance for Medicare beneficiaries and their caregivers
Medicare Rights Center. Provides information and answers questions about Medicare.

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

OregonHealthcare.gov. A state-run service that connects residents to health coverage options.
Oregon Division of Financial Regulation. Regulates health insurance companies, agents, and brokers.
Medicare Rights Center. Assistance for Medicare beneficiaries.
Oregon Senior Health Insurance Benefits Assistance. Assistance, information, and counseling to Medicare beneficiaries and their caregivers.

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

Pennsylvania Insurance Department. Oversees and regulates the health insurance companies that offer plans in the state, and the brokers and agents that sell the plans.
Pennsylvania Department of Aging. Provides assistance for people with Medicare and their caregivers.
Medicare Rights Center. A nationwide service (a website and call center) that provides Medicare-related assistance and information.

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

Rhode Island Department of Insurance. Regulates health insurance companies, agents, and brokers.
Rhode Island 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.
Rhode Island Medicaid. Provides healthcare benefits for low-income Rhode Island residents.

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

South Carolina Department of Insurance. Regulates health insurance companies, agents, and brokers.
South Carolina Department on Aging. Information and assistance programs for Medicare beneficiaries.

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

Division of Insurance – South Dakota. Regulates health insurance companies, brokers, and agents that sell in the state.
Medicare Rights Center. National assistance for Medicare beneficiaries.

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

Family & Children’s Service. The federally-funded Navigator organization in Tennessee can provide phone assistance with health insurance and Medicaid enrollment statewide.
Tennessee Department of Commerce and Insurance. Regulates health plans in Tennessee, as well as the agents and brokers who sell policies to Tennessee residents.
Tennessee State Health Insurance Assistance Program (SHIP) for Medicare Participants. Offers assistance to Medicare beneficiaries and their caregivers.
Medicare Rights Center. Provides information and assistance with Medicare-related questions.

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

Texas Department of Insurance. Regulates Texas’s insurance industry and oversees the administration of the Texas workers’ compensation system.
Texas Health Information, Counseling and Advocacy Program. Part of Texas Health and Human Services (HHS).
Change Happens Healthcare Navigators. A nonprofit that transforms the lives of families and children in high-risk communities of the Gulf Coast Region 6. They provide a variety of programs that empower people to help themselves.
Medicare Rights Center. The largest and most reliable independent source of Medicare information and assistance in the United States.

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

Utah Insurance Department. Regulates health insurance companies, brokers, and agents.
Utah Senior Services. Provides assistance and information for people regarding Medicare.

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

Vermont Department of financial regulation. Where to file an insurance complaint.
Vermont State Health Insurance Program. Assistance for Medicare beneficiaries.
Medicare Rights Center. Assistance with Medicare-related questions.

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

Cover Virginia. A state-run service that partners with the federal marketplace to assist people enrolling in Medicaid or a private plan through the marketplace.
Virginia’s Department of Medical Assistance Services. Medicaid center for Virginia.
Virginia State Corporation Commission. Regulates health insurance companies, agents, and brokers. It is creating and will run Virginia’s new state-based exchange, which is launching in 2023 for the year 2024.
Virginia Insurance Counseling and Assistance Program (VICAP). Assists Medicare beneficiaries and their caregivers with Medicare coverage and enrollment.

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

Medicare Rights Center. Assistance for people with Medicare.

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

BadgerCare PLUS. Department of Health services for lower-income residents.
Black Health Coalition of Wisconsin. A group of local organizations and individuals, whose collaborative goal is to address the health problems of African Americans.
Medicaid for the Elderly, Blind, or Disabled. Services for residents on Medicaid.
Medicare Counseling for Wisconsin Residents. Information and services for residents about Medicare.
Medicare Rights Center. Information and assistance related to Medicare.

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

Wyoming Department of Insurance. Regulates health insurance companies, insurance agents, and brokers in the state.
Wyoming State Health Insurance Information Program. Local information and assistance for Medicare beneficiaries.
Medicare Rights Center. National assistance for Medicare beneficiaries.

Open Enrollment 2022-2023

When is 2023 open enrollment?

Skip to your state by letter

2023 individual insurance open enrollment by state

Where do I shop for insurance in Alabama?

When is open enrollment for Alabama?

Participating insurance carriers in Alabama

What are the 2023 insurance rates for Alabama?

What are the best HRA options in Alabama?

What are the enrollment statistics for Alabama health insurance?

Alabama health insurance resources

Where do I shop for insurance in Alaska?

When is open enrollment for Alaska?

Participating insurance carriers in Alaska

What are the 2023 insurance rates for Alaska?

What are the best HRA options in Alaska?

What are the enrollment statistics for Alaska health insurance?

Alaska health insurance resources

Where do I shop for insurance in Arizona?

When is open enrollment for Arizona?

Participating insurance carriers in Arizona

What are the 2023 insurance rates for Arizona?

What are the best HRA options in Arizona?

What are the enrollment statistics for Arizona health insurance?

Arizona health insurance resources

Where do I shop for insurance in Arkansas?

When is open enrollment for Arkansas?

Participating insurance carriers in Arkansas

What are the 2023 insurance rates for Arkansas?

What are the best HRA options in Arkansas?

What are the enrollment statistics for Arkansas health insurance?

Arkansas health insurance resources

C

Where do I shop for insurance in California?

When is open enrollment for California?

Participating insurance carriers in California

What are the 2023 insurance rates for California?

What are the best HRA options in California?

Some independent contractors are now eligible for benefits from their employer

Does California cap prescription costs?

What are the enrollment statistics for California health insurance

California health insurance resources

Where do I shop for insurance in Colorado?

When is open enrollment for Colorado?

Participating insurance carriers in Colorado

What are the 2023 insurance rates for Colorado?

What are the best HRA options in Colorado?

What are the enrollment statistics for Colorado health insurance?

Colorado health insurance resources

Where do I shop for insurance in Connecticut?

When is open enrollment for Connecticut?

Participating insurance carriers in Connecticut

What are the 2023 insurance rates for Connecticut?

What are the best HRA options in Connecticut?

What are the enrollment statistics for Connecticut health insurance?

Connecticut health insurance resources

Where do I shop for insurance in Delaware?

When is open enrollment for Delaware?

Participating insurance carriers in Delaware

What are the 2023 insurance rates for Delaware?

What are the best HRA options in Delaware?

What are the enrollment statistics for Delaware health insurance?

Delaware health insurance resources

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

When is open enrollment for Washington D.C.?

Participating insurance carriers in Washington D.C.

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

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

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

Washington D.C. health insurance resources

Where do I shop for insurance in Florida?

When is open enrollment for Florida?

Participating insurance carriers in Florida

What are the 2023 insurance rates for Florida?

What are the best HRA options in Florida?

What are the enrollment statistics for Florida health insurance?

Key insurance legislation and protection in Florida

Florida health insurance resources

Where do I shop for insurance in Georgia?

When is open enrollment for Georgia?