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Individual Market Private Health Insurance Base Premiums, by County, as of January 2013

Before provisions of the Patient Protection and Affordable Care Act (PPACA) were implemented in January 2014, individual health insurance market premium rates may have varied on the basis of age, gender, health status, and other factors. Premiums could also have varied in different geographic areas within a state. To facilitate the analysis of future data, this map shows the range of health insurance premiums that were available to individuals in selected categories in January 2013.

Because insurers could have imposed different premiums on individuals on the basis of a variety of factors in 2013, the data represent the base premium amount, rather than the actual premium amount an individual may have been charged. Actual premiums could have been higher because they would have been determined after more complete underwriting for health conditions and other individual factors. In addition, some consumers could have been denied coverage, for example, due to pre-existing conditions. Data reflect available information for all plans for which data were displayed on as of January 2013, and may include plans with little or no enrollment.

Click a state (or the District of Columbia) for a spreadsheet showing—by county—the premium amounts, annual deductibles, out-of-pocket maximums, and coinsurance percentages for the individual (non-group) plans with the minimum, median, and maximum premiums for the following hypothetical consumers:

Hypothetical Consumers

Single Male(s) Single Female(s) More Than
One Individual
Single male, nonsmoker, aged 19 Single female, nonsmoker, aged 19 Family of four, parents aged 40
Single male, smoker, aged 19 Single female, smoker, aged 19 Couple, aged 55
Single male, nonsmoker, aged 30 Single female, nonsmoker, aged 30
Single male, smoker, aged 30 Single female, smoker, aged 30
Single male, nonsmoker, aged 64 Single female, nonsmoker, aged 64
Single male, smoker, aged 64 Single female, smoker, aged 64

Source: GAO analysis of Center for Consumer Information and Insurance Oversight (CCIIO) data. | GAO-14-772R