Exhibit 1. Premiums and Premium Increases, Single Coverage, by Metal Tier and State, 2014–2015 Premium increases, 2014–20152015 premiums for 40-year-old.

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Presentation transcript:

Exhibit 1. Premiums and Premium Increases, Single Coverage, by Metal Tier and State, 2014–2015 Premium increases, 2014– premiums for 40-year-old nonsmoker All plansSilverCatastrophicBronzeSilverGoldPlatinum United States 0% $210$256$314$369$441 Alabama 3%8%$193$217$269$314$371 Alaska 31%32% $364$475$583$689n/a Arizona –3%–2%$169$229$279$319$334 Arkansas 3%1%$191$255$326$375n/a California 1%0%$223$249$300$358$407 Colorado –8%–6%$222$262$323$366$405 Connecticut –1%–7%$217$290$372$411$490 Delaware 3%6%$219$252$324$370$439 District of Columbia 11%8%$175$228$294$361$440 Florida 7% $249$303$369$419$487 Georgia 1%–1%$208$247$307$365$443 Hawaii –3%–5%$155$171$206$252$318 Illinois –2%–9%$210$238$289$342$406 Indiana 5%4%$232$286$352$425$647 Iowa 11%10%$240$246$310$364$524 Kansas 4%1%$158$205$245$286$341 Kentucky 7%–1%$181$220$277$326$345 Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York. Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.

Exhibit 1. Premiums and Premium Increases, Single Coverage, by Metal Tier and State, 2014–2015 (continued) Premium increases, 2014– premiums for 40-year-old nonsmoker All plansSilverCatastrophicBronzeSilverGoldPlatinum United States 0% $210$256$314$369$441 Louisiana 12%11%$209$274$359$411$454 Maine –1%2%$205$272$342$425n/a Maryland 0%–2%$174$207$269$317$385 Massachusetts 0%2%$254$288$345$440$526 Michigan –1%–5%$197$252$305$371$412 Minnesota 19%14%$142$195$232$284$312 Mississippi –19%–15%$238$243$315$353$384 Missouri 9%8%$216$245$306$358$330 Montana 3% $185$226$273$331$384 Nebraska 10%4%$206$261$319$375$514 Nevada 4%1%$220$247$284$321$364 New Hampshire 16%13%$194$254$329$400$665 New Jersey 2%–4%$272$327$360$454$554 New Mexico –1%–3%$185$205$253$302$384 North Carolina 12%13%$206$270$343$396$447 North Dakota 7% $189$263$318$365n/a Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York. Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.

Exhibit 1. Premiums and Premium Increases, Single Coverage, by Metal Tier and State, 2014–2015 (continued) Premium increases, 2014– premiums for 40-year-old nonsmoker All plansSilverCatastrophicBronzeSilverGoldPlatinum United States 0% $210$256$314$369$441 Ohio 4% $196$258$321$373$540 Oklahoma –1%3%$173$220$287$359$504 Oregon –5%–4%$201$212$262$310$366 Pennsylvania 12% $194$261$313$354$454 Rhode Island 0%–2%$199$228$284$340n/a South Carolina 10%3%$207$268$308$365$684 South Dakota –21%–20%$203$243$289$368$421 Tennessee 9% $171$200$258$344$438 Texas 5%2%$248$269$328$388$493 Utah 5%4%$197$207$256$299$272 Vermont 9% $223$383$455$546$635 Virginia –56%–49%$193$246$307$375$517 Washington –1%–2%$229$242$305$364$420 West Virginia 10%9%$217$241$289$350n/a Wisconsin 7%9%$228$308$373$447$564 Wyoming 5%6%$336$394$456$537$580 Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York. Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.

Exhibit 2. Premiums and Premium Changes for the Benchmark Silver Plan in Three Select Rating Regions, by State, 2015 Premium change for the benchmark silver plan, 2014–2015Premium for the benchmark silver plan for 40-year-old nonsmoker Urban areaSuburban areaRural areaStatewide averageUrban areaSuburban areaRural area United States 0%1%0% $257$268$272 Alabama 2%–3%4% 3% $264$255$260 Alaska 26%29%34% 28% $547 Arizona –10%7%13% –5% $177$179$295 Arkansas –2% –3% –2% $278$299$276 California 0%1%9% 1% $259$362$341 Colorado –16%–20%–30% –18% $211$198$266 Connecticut –12%–14% –13% $302$375$297 Delaware 4%n/a 4% $301n/a District of Columbia 5%n/a 5% $253n/a Florida 2%13%14% 4% $274$340$310 Georgia 2% –11% 1% $255$260$280 Hawaii 9%n/a 9% $202n/a Illinois 1%9%–3% 3% $215$231$265 Indiana –4%–7%–20% –6% $329$301$273 Iowa –4%–7%13% –2% $246$205$295 Kansas 0%–2%0% –1% $224$218$230 Kentucky 3%9%–16% 0% $212$257$250 Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York. Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.

Exhibit 2. Premiums and Premium Changes for the Benchmark Silver Plan in Three Select Rating Regions, by State, 2015 (continued) Premium change for the benchmark silver plan, 2014–2015Premium for the benchmark silver plan for 40-year-old nonsmoker Urban areaSuburban areaRural areaStatewide averageUrban areaSuburban areaRural area United States 0%1%0% $257$268$272 Louisiana 0%6%4% 3% $296$308$323 Maine –4%1%0% –2% $282$341$319 Maryland 3%4%9% 5% $235$226$243 Massachusetts –7%–6%3% –4% $257$256$255 Michigan 3%5%–3% 3% $230$234$257 Minnesota 19%27%–7% 17% $183$206$283 Mississippi –19%–26%–17% –19% $272$304$273 Missouri 5%–2%1% 2% $276$252$310 Montana –5%–3%–8% –6% $238$241$238 Nebraska –3%7%16% 2% $264$261$264 Nevada 0% –9% 0% $238$309$434 New Hampshire –15%n/a –15% $247n/a New Jersey –1%n/a –1% $316n/a New Mexico –11%–12%–10% –11% $173$213$239 North Carolina 7%14%11% 9% $328$316$330 North Dakota 0%7% 5% $272$306 Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York. Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.

Exhibit 2. Premiums and Premium Changes for the Benchmark Silver Plan in Three Select Rating Regions, by State, 2015 (continued) Premium change for the benchmark silver plan, 2014–2015Premium for the benchmark silver plan for 40-year-old nonsmoker Urban areaSuburban areaRural areaStatewide averageUrban areaSuburban areaRural area United States 0%1%0% $257$268$272 Ohio –1%4%12% 3% $247$268$279 Oklahoma 9%0%–2% 2% $219$223$215 Oregon –1% –2% –1% $213$237$238 Pennsylvania –11%4%–2% –7% $268$237$209 Rhode Island –12%n/a –12% $260n/a South Carolina –4%1% –2% $276$272$287 South Dakota –3%–15%–4% –7% $257$271$260 Tennessee 8%2%–7% 4% $203$190$209 Texas 3%9%5% 4% $280$231$241 Utah 3% 2% 3% $215$229$247 Vermont 6%n/a 6% $436n/a Virginia 4%3% $282$294$274 Washington –10%–7% –8% $254$270$263 West Virginia 8% $270$289$299 Wisconsin 6%2%6% 5% $333$300$258 Wyoming 3%7%5% $407$424$445 Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York. Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.

Exhibit 3. Average Deductibles and Changes in Deductibles, by Metal Tier and State, 2014–2015 Percentage change in deductibles, 2014– average deductibles Percentage change all plansPercentage change silver plansCatastrophicBronzeSilverGoldPlatinum United States 1%2%$6,574$5,203$2,965$1,215$552 Alabama 13%19%$6,660$5,734$3,373$1,037$249 Alaska 0%–4%$6,600$5,359$2,291$1,083n/a Arizona 4%1%$6,560$5,712$3,142$1,368$602 Arkansas 3%18%$6,600$5,636$2,458$1,227n/a California 4%0%$6,575$4,813$2,000n/a Colorado 0%6%$6,475$5,265$2,587$1,565$625 Connecticut –9%–18%$6,600$4,750$2,342$1,269 n/a Delaware 0%–5%$6,600$5,942$3,143$1,422$300 District of Columbia –16%–27%$6,600$5,175$1,950$1,100n/a Florida 8%0%$6,600$5,680$4,048$1,152$710 Georgia 7%21%$6,600$5,380$3,115$1,241$750 Hawaii 28%2%$6,600$5,533$1,867$938n/a Illinois –8%–10%$6,600$5,282$3,706$1,258$290 Indiana 9%30%$6,600$5,283$3,168$844n/a Iowa 4%–2%$6,600$5,578$3,023$1,527$750 Kansas –7%0%$6,600$6,119$2,966$1,100n/a Kentucky –15%1%$6,600$5,609$3,365$1,595$775 Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York. Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.

Exhibit 3. Average Deductibles and Changes in Deductibles, by Metal Tier and State, 2014–2015 (continued) Percentage change in deductibles, 2014– average deductibles Percentage change all plansPercentage change silver plansCatastrophicBronzeSilverGoldPlatinum United States 1%2%$6,574$5,203$2,965$1,215$552 Louisiana 8%14%$6,435$4,848$2,642$1,071$449 Maine –4%–6%$6,600$5,043$2,354$865n/a Maryland 15%31%$6,350$5,338$3,258$1,083n/a Massachusetts 32%–1% $6,575$1,964$1,952$1,067$909 Michigan –4%–5%$6,600$5,149$1,967$879$453 Minnesota –6%–14%$6,550$5,567$2,269$1,311$1,000 Mississippi 18%14%$6,600$5,417$3,000$1,209$472 Missouri –5%–7%$6,600$5,436$3,161$1,262$1,000 Montana 5%–4%$6,600$4,777$3,250$1,350$350 Nebraska 6%14%$6,600$5,148$2,808$1,308n/a Nevada –7%11%$6,600$5,378$2,962$657$264 New Hampshire –3%5%$6,600$5,040$2,534$1,025n/a New Jersey –10%–2%$6,580$2,429$1,979$1,186$475 New Mexico –1%–2%$6,473$4,813$3,317$1,299$100 North Carolina 0%–1%$6,600$5,014$3,547$1,101$387 North Dakota 12%13%$6,600$5,173$2,450$1,332n/a Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York. Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.

Exhibit 3. Average Deductibles and Changes in Deductibles, by Metal Tier and State, 2014–2015 (continued) Percentage change in deductibles, 2014– average deductibles Percentage change all plansPercentage change silver plansCatastrophicBronzeSilverGoldPlatinum United States 1%2%$6,574$5,203$2,965$1,215$552 Ohio 1%7%$6,600$5,387$2,965$1,116$638 Oklahoma 17%14%$6,600$5,165$3,982$1,683n/a Oregon 4%1%$6,600$5,126$2,619$1,323$750 Pennsylvania 11%5%$6,500$5,504$2,871$1,326$289 Rhode Island –3%–4%$6,600$5,283$2,771$1,017n/a South Carolina 1%22%$6,600$5,439$2,938$1,192n/a South Dakota 11%8%$6,600$5,244$2,955$1,313$250 Tennessee 8%4%$6,600$4,823$3,011$2,313$1,000 Texas –2%–6%$6,508$5,496$3,466$1,392$342 Utah –3%1%$6,600$4,861$2,362$652$1,000 Vermont 10%3%$6,200$3,167$1,775$775$150 Virginia –4%–12%$6,600$4,897$2,466$1,037n/a Washington –6%–1%$6,600$5,146$2,185$825$250 West Virginia –6%–5%$6,600$4,000$3,200$1,050n/a Wisconsin 8%10%$6,600$5,423$2,883$1,034$407 Wyoming 5%9%$6,350$4,800$2,500$1,092$750 Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York. Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.

Exhibit 4. Number of Carriers Offering Plans in Three Select Rating Regions, and Change versus 2014, by State, 2015 Urban areaSuburban areaRural area Number of carriers, 2015Change 2014–2015Number of carriers, 2015Change 2014–2015Number of carriers, 2015Change 2014–2015 United States 7.17 (average) (average) (average)+36 Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware 2 (statewide)0n/a District of Columbia 4 (statewide)0n/a Florida Georgia Hawaii 2 (statewide)0n/a Illinois Indiana Iowa Kansas Kentucky Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York. Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.

Exhibit 4. Number of Carriers Offering Plans in Three Select Rating Regions, and Change versus 2014, by State, 2015 (continued) Urban areaSuburban areaRural area Number of carriers, 2015Change 2014–2015Number of carriers, 2015Change 2014–2015Number of carriers, 2015Change 2014–2015 United States 7.17 (average) (average) (average)+36 Louisiana Maine Maryland Massachusetts 10–110–110–1 Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire 5 (statewide)+4n/a New Jersey 6 (statewide)+3n/a New Mexico North Carolina North Dakota Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York. Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.

Exhibit 4. Number of Carriers Offering Plans in Three Select Rating Regions, and Change versus 2014, by State, 2015 (continued) Urban areaSuburban areaRural area Number of carriers, 2015Change 2014–2015Number of carriers, 2015Change 2014–2015Number of carriers, 2015Change 2014–2015 United States 7.17 (average) (average) (average)+36 Ohio Oklahoma 4–24–13–3 Oregon 9–19 8–2 Pennsylvania Rhode Island 3 (statewide)+1n/a South Carolina South Dakota Tennessee Texas Utah Vermont 2 (statewide)0n/a Virginia 603–16+1 Washington West Virginia Wisconsin Wyoming Notes: All single rates are for 40-year-old nonsmokers. Data not available for Idaho or New York. Source: Review of publicly available 2014 and 2015 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.