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One of the most dramatic variables in the cost of health insurance is based on where you live. Heath insurance premiums can vary greatly based on what area of the country you reside in. Below is a look at the cost of health insurance by state.

According to a study conducted by ValuePenguin, some of the highest monthly premiums are in the states of Alaska ($426), Wyoming ($366), New Jersey ($307), and Florida ($285). Louisiana, Wisconsin, and Nevada aren’t far behind, each with premiums around $280 per month. The states with the lowest premiums are Oregon ($206), Oklahoma ($209), and New Mexico ($211). But the lowest health insurance rate by state goes to Utah, with a monthly premium of only $180. 


Here is a ValuePenguin’s listing of the average cost of insurance by state. See if your state made the list:

  1. Alaska - $426
  2. Alabama - $217
  3. Arkansas - $236
  4. Arizona - $247
  5. Delaware - $255
  6. Florida - $285
  7. Georgia - $253
  8. Iowa - $251
  9. Illinois - $244
  10. Indiana - $276
  11. Kansas – 196
  12. Louisiana - $284
  13. Maine - $271
  14. Michigan - $ 251
  15. Missouri - $254
  16. Mississippi - $234
  17. Montana - $210
  18. North Carolina - $ 270
  19. North Dakota - $242
  20. Nebraska - $243
  21. New Hampshire - $246
  22. New Jersey - $307
  23. New Mexico - $211
  24. Nevada - $ 279
  25. Ohio - $ 258
  26. Oklahoma - $ 209
  27. Oregon - $ 206
  28. Pennsylvania - $231
  29. South Carolina - $249
  30. South Dakota - $235
  31. Tennessee - $225
  32. Texas - $239
  33. Utah - $180
  34. Virginia - $222
  35. Wisconsin - $280
  36. West Virginia - $242
  37. Wyoming - $366

In 31 states and Washington D.C., we have seen premium growth slow since the creation of the Patient Protection and Affordable Care Act. But in other states (South Dakota, Indiana, Ohio, and Colorado), we saw premiums rise at higher rates. While you can measure rates by state, there are regions within each state where insurance premiums may be uncharacteristically low.  For example, according to Kaiser Health News, the six of the ten regions in the United States with the least expensive health insurance premiums are northwestern Pennsylvania, Tucson,  Salt Lake City, eastern Tennessee, all of Hawaii, and much of Minnesota. Competition amongst doctors and hospitals seem to be responsible for these lower rates. 

The cost of health insurance by state is an interesting set of statistics, but location is not the only factor that plays into the cost of health insurance premiums. In fact, age and tobacco use play an equal, or even greater role, in determining what the average American might pay for health insurance coverage. Most rates are based on a person who is 21 years of age and then adjusted up for persons in their 30’s, 40’s, 50’s, and so on. If you happen to use tobacco products, you could see premiums that are up to 50% higher

If you need help figuring out what health insurance may cost in your state, give HealthMarkets a call at (855) 839-8126. We have information on the cost of health insurance for plans in your state, along with detailed help on plans and subsidies. We provide our service for free, and we have a Best Price Guarantee* that you will not find the plans we offer somewhere else for less.


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