AHIP 2011 State Data (Writing Sample) - John Radin

Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa
ndiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri
2011 Health Insurance: Overview and Economic Impact in the States

September 2011
Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming
AbOUT THE DATA

This report provides an overview of state health insurance facts that should be of interest to state health policy leaders and other health policymakers. Key indicators are presented for each state, the District of Columbia, and the United States, and cover such topics as private health insurance coverage and premiums, jobs and wages in the insurance industry, premium taxes paid by insurance companies, and data on the uninsured and Medicaid. All information contained in this report was compiled by Americas Health Insurance Plans Center for Policy and Research from publicly available sources. In states where data were not available for a particular indicator, the notation N/A (not available) is listed, followed by an explanatory endnote. A list of endnotes can be found on page 55. A complete description of the sources used is found on pages 5657. People with Private Health Insurance Coverage/Fully-Insured vs. Self-Insured The indicators for fully-insured and selfinsured coverage reflect the type of coverage arrangement made by individuals employers for group policies. A fully-insured plan is one under which an insurer or health plan bears the financial responsibility of guaranteeing claim payments and paying for all covered benefits and administration. Fully- insured plans are subject to state benefit laws and mandates, as well as premium taxes. A self-insured health plan is one under which an employer or other group sponsor, rather than a health plan or insurance company, is financially responsible for paying plan expenses, including claims made by group plan members. In general, self-insured plans are not subject to state benefit mandates or premium taxes. Total State Premium Taxes Collected from Insurance Companies It was not possible to compile state-level data on insurance premium taxes paid by health insurance companies alone. Most state agencies do not distinguish among different types of insurance companies when reporting premium taxes collected. Therefore, we chose to list the total premium taxes collected from all types of insurance companies in each state. Jobs in the Health Insurance Industry The information on jobs is derived from the U.S. Census bureau, using its database on the North American Industry Classification System (NAICS). The database includes two types of entities that account for the Direct Jobs category in our report: Direct Health and Medical Insurance Carriers and HMO Medical Carriers. Four types of entities in the NAICS database account for the Other Insurance-Related Jobs listed in our report: Insurance brokers and Agents, Reinsurance Carriers, Claims Adjusting, and ThirdParty Administration of Insurance and Pension Funds. NAICS definitions of each of these categories are provided below. The NAICS database does not indicate the percent of Other Insurance Related Jobs that are attributable to health insurance plans. Direct Jobs Direct Health and Medical Insurance Carriers: Establishments primarily engaged in underwriting (i.e., assuming the risk and assigning premiums for health and medical insurance policies). This classification also includes group hospitalization plans and HMO establishments that provide health and medical insurance policies without providing health care services. HMO Medical Carriers: Establishments with physicians and other medical staff primarily engaged in providing a range of outpatient medical services to HMO subscribers with a focus generally on primary health care. These establishments are owned by the HMO. Included in this category are HMO establishments that provide health care services and underwrite health and medical insurance policies. Other Insurance-Related Jobs Insurance brokers and Agents: Establishments primarily acting as agents (i.e., brokers) in selling annuities and insurance policies. Reinsurance Carriers: Insurers primarily engaged in assuming all or part of the risk associated with existing insurance policies originally underwritten by other insurance carriers. Claims Adjusting: Establishments primarily engaged in investigating, appraising, and settling insurance claims. Third-Party Administration of Insurance and Pension Funds: Establishments primarily engaged in providing third-party administration services of insurance and pension funds, such as claims processing and other administrative services to insurance carriers, employee-benefit plans, and self-insurance funds. State Rankings Each state page displays a ranking of several health indicators. A list of the indicators and a description are provided below: Uninsured: States are ranked from lowest to highest, so that the state with the lowest uninsured rate is ranked as #1. Average Annual Medicaid Payment per Enrollee: States are ranked from highest to lowest, so that the state with the highest average annual Medicaid payment is ranked as #1. Percent covered by private insurance: States are ranked from highest to lowest, so that the state with the highest rate of individuals covered by private insurance is ranked #1. Percent of employers offering health insurance: States are ranked from highest to lowest, so that the state with the highest percentage of employers offering health insurance coverage is ranked as #1.
This report was designed and researched by Christelle Chen, Jyoti Jalali, and John Radin of AHIPs Center for Policy and Research. For further information, contact Christelle Chen, Senior Policy Analyst, at (202) 778-3200 or visit www.ahipresearch.org.
Center for Policy and Research Americas Health Insurance Plans
P eoPle witH P Rivate H ealtH i nSuRance c oveRage

} People Covered by Private Insurance . . . . . . . . . . . . . . . 2,924,000
65% 35%
FullyInsured
SelfInsured
PeRcent oF emPloyeRS oFFeRing HealtH inSuRance
ALABAMA
State HealtH FactS
95% 43%
Small Employers
Large Employers
17%
Uninsured
a veRage a nnual H ealtH i nSuRance P RemiumS a

} Small Group Market Single . . . . . . . . . . . . . . . . . . . . . . . $4,236 } Small Group Market Family . . . . . . . . . . . . . . . . . . . . . . $11,136
} Total State Premium Taxes Collected from all Insurance
Average Annual Medicaid Payment per Enrollee . . . . . . . . . . $3,945
State RankingS
Companies (includes taxes on health and non-health related insurance coverage)1 . . . . . . . . . . . . . . . . . . . $259,169,000
37th 49th 35th
in uninsured rate 3 in Medicaid payment per enrollee in % of residents covered by private insurance in % of employers offering health insurance
J obS in H ealtH i nSuRance i nduStRy 2
4,404 11,857 16,261
Direct Jobs Other InsuranceRelated Jobs Total Jobs
13th
1
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . .$329,379,000d } Payroll Other Insurance-Related Jobs . . . . . . . . . . . . $710,804,000 } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . .$74,961 } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$59,999
Data from the U.S. Census bureau; includes state premium tax collected from all types of insurance companies, including health insurance. Data from the U.S. Census bureau, NAICS reports. Direct jobs include those specifically found in the health insurance industry; other insurancerelated jobs consist of those found in all insurance industries, including the health insurance industry. (see page 57 for a full description of job categories.) A ranking of #1 indicates the lowest percentage of uninsured.

} People Covered by Private Insurance . . . . . . . . . . . . . . . . .421,000
68% 32%
FullyInsured
SelfInsured
ALASKA
State HealtH FactS
94% 26%
Small Employers
Large Employers
18%
Uninsured
State RankingS
40
th
in uninsured rate 3 in Medicaid payment per enrollee
143 b 1,264 c 1,407
4th 41
st in % of residents
covered by private insurance in % of employers offering health insurance (tie)
49th
1
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . . . .$6,796,000d } Payroll Other Insurance-Related Jobs . . . . . . . . . . . . .$64,679,000e } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . .$47,524 } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$51,170

59% 41%
FullyInsured
SelfInsured
ARIZONA
State HealtH FactS
98% 34%
Small Employers
Large Employers
20%
Uninsured
a veRage a nnual H ealtH i nSuRance P RemiumS

} Individual Market Single . . . . . . . . . . . . . . . . . . . . . . . . . . $2,961 } Individual Market Family. . . . . . . . . . . . . . . . . . . . . . . . . . $5,292 } Small Group Market Single . . . . . . . . . . . . . . . . . . . . . . . $4,860 } Small Group Market Family . . . . . . . . . . . . . . . . . . . . . . $12,756
State RankingS
45
th
Companies (includes taxes on health and non-health related insurance coverage)1 . . . . . . . . . . . . . . . . . . $437,975,000
44th 47th
9,826 14,851 24,677
31st
1
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . .$593,360,000d } Payroll Other Insurance-Related Jobs . . . . . . . . . . . .$733,437,000e } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . .$60,758 } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$49,386

64% 36%
FullyInsured
SelfInsured
ARKANSAS
State HealtH FactS
94% 30%
Small Employers
Large Employers
19%
Uninsured

} Small Group Market Single . . . . . . . . . . . . . . . . . . . . . . . $3,660 } Small Group Market Family . . . . . . . . . . . . . . . . . . . . . . . $9,612
State RankingS
44th 45th 48th
in uninsured rate 3 in Medicaid payment per enrollee in % of residents covered by private insurance
3,810 6,268 10,078
45
1
th in % of employers offering
health insurance

} People Covered by Private Insurance . . . . . . . . . . . . . . 21,359,000
47% 53%
SelfInsured FullyInsured
CALIFORNIA
State HealtH FactS
95% 44%
Small Employers
Large Employers
20%
Uninsured

State RankingS
46th 51st 45th
Companies (includes taxes on health and non-health related insurance coverage)1 . . . . . . . . . . . . . . . . .$2,180,786,000
51,916 98,319 150,235
17
1
health insurance
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . $3,435,069,000d } Payroll Other Insurance-Related Jobs . . . . . . . . . . .$6,119,554,000 } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . .$71,317 } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$62,242

61% 39%
FullyInsured
SelfInsured
COLORADO
State HealtH FactS
97% 43%
Small Employers
Large Employers
15%
Uninsured

State RankingS
29
th
32nd 18th
9,915 14,633 24,548
21
1
st in % of employers offering
health insurance

55% 45%
CONNECTICUT
State HealtH FactS
99% 52%
Small Employers
Large Employers
12%
Uninsured

} Individual Market Single . . . . . . . . . . . . . . . . . . . . . . . . . . $3,503 } Individual Market Family. . . . . . . . . . . . . . . . . . . . . . . . . . $8,477
State RankingS
12th 8th 3rd
in uninsured rate 3 in Medicaid payment per enrollee in % of residents covered by private insurance in % of employers offering health insurance (tie)
17,875 13,095 30,970
4th
1
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/Ad } Payroll Other Insurance-Related Jobs . . . . . . . . . . .$1,188,611,000 } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/Ad } Average Wage Other Insurance-Related Jobs. . . . . . . . . .$108,331

64% 36%
FullyInsured
SelfInsured
DELAWARE
State HealtH FactS
91% 46%
Small Employers
Large Employers
13%
Uninsured
State RankingS
18
th
1,529 b 1,772 c 3,301
24th 23
rd in % of residents
covered by private insurance in % of employers offering health insurance
10th
1
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . . .$92,494,000d } Payroll Other Insurance-Related Jobs . . . . . . . . . . . . .$96,892,000e } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . .$60,493 } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$54,679
10

43% 57%
DISTRICT OF COLUMBIA
State HealtH FactS
98% 61%
Small Employers
Large Employers
12%
Uninsured
State RankingS
14
th
1,933 837 2,770
3rd 33
rd in % of residents
2nd
1
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . .$121,773,000d } Payroll Other Insurance-Related Jobs . . . . . . . . . . . . .$78,719,000e } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . .$78,160 } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$96,351
11

63% 37%
FullyInsured
SelfInsured
FLORIDA
State HealtH FactS
97% 35%
Small Employers
Large Employers
22%
Uninsured

State RankingS
50
th
43rd 46th
25,808 59,224
Direct Jobs Other InsuranceRelated Jobs

Total
38
1
health insurance
85,032
Jobs
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . .$1,618,164,000 } Payroll Other Insurance-Related Jobs . . . . . . . . . . .$3,056,315,000 } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . .$62,700 } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$51,606
12

63% 37%
FullyInsured
SelfInsured
GEORGIA
State HealtH FactS
97% 36%
Small Employers
Large Employers
21%
Uninsured

State RankingS
47th 50th 43rd
9,914 27,927 37,841
28
1
health insurance (tie)
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . .$538,093,000d } Payroll Other Insurance-Related Jobs . . . . . . . . . . $1,575,841,000e } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . .$65,910 } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$65,179
13

28% 72%
HAWAII
State HealtH FactS
98% 81%
Small Employers
Large Employers
8%
Uninsured
State RankingS
nd
4,087 2,602 c 6,689
33rd 13
th in % of residents
1st
1
14

55% 45%
IDAHO
State HealtH FactS
95% 32%
Small Employers
Large Employers
15%
Uninsured
State RankingS
28
th
2,078 3,207 c 5,285
30th 21
48th
1
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . . .$98,828,000d } Payroll Other Insurance-Related Jobs . . . . . . . . . . . .$112,657,000e } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . .$48,973 } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$35,128
15

57% 43%
FullyInsured
SelfInsured
ILLINOIS
State HealtH FactS
96% 39%
Small Employers
Large Employers
15%
Uninsured

State RankingS
25th 26th 29th
19,004 40,938 59,942
28
1
16

73% 27%
FullyInsured
SelfInsured
INDIANA
State HealtH FactS
96% 30%
Small Employers
Large Employers
14%
Uninsured

State RankingS
23rd 38th 31st
7,510 17,593 25,103
40th
1
17

61% 39%
FullyInsured
SelfInsured
I OWA
State HealtH FactS
98% 36%
Small Employers
Large Employers
11%
Uninsured

State RankingS
9th 28th 4th
3,352b 12,590
Direct Jobs Other InsuranceRelated Jobs

Total
36
1
health insurance
15,942
Jobs
18

56% 44%
FullyInsured
SelfInsured
KANSAS
State HealtH FactS
96% 41%
Small Employers
Large Employers
13%
Uninsured

State RankingS
17
th
15th 15th
3,810 10,985 14,795
18
1
health insurance
19

74% 26%
FullyInsured
SelfInsured
KENTUCKY
State HealtH FactS
97% 39%
Small Employers
Large Employers
16%
Uninsured

State RankingS
36th 27th 36th
17,510
15
1
health insurance
11,901c
29,411
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/Ad } Payroll Other Insurance-Related Jobs . . . . . . . . . . . .$548,428,000e } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/Ad } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$46,083
20

51% 49%
LOUISIANA
State HealtH FactS
96% 31%
Small Employers
Large Employers
16%
Uninsured

State RankingS
35th 48th 34th
2,770 13,355 16,125
43rd
1
21

53% 47%
MAINE
State HealtH FactS
98% 42%
Small Employers
Large Employers
10%
Uninsured

State RankingS
6th 20th 30th
1,725b 3,911 5,636
25
1
health insurance
22

63% 37%
FullyInsured
SelfInsured
MARYLAND
State HealtH FactS
96% 49%
Small Employers
Large Employers
14%
Uninsured
State RankingS
21
st
9,417 15,039 24,456
11th 10
covered by private insurance
8 th
1
in % of employers offering health insurance
23

61% 39%
FullyInsured
SelfInsured
MASSACHUSETTS
State HealtH FactS
99% 49%
Small Employers
Large Employers
4%
Uninsured f

} Individual Market Single . . . . . . . . . . . . . . . . . . . . . . . . . . $5,143 } Individual Market Family. . . . . . . . . . . . . . . . . . . . . . . . . $13,288 } Small Group Market Single . . . . . . . . . . . . . . . . . . . . . . . $5,796 } Small Group Market Family . . . . . . . . . . . . . . . . . . . . . . $15,240
State RankingS
st
7th 5th
11,991 22,306 34,297
7
1
health insurance
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . .$909,809,000d } Payroll Other Insurance-Related Jobs . . . . . . . . . . .$1,489,002,000 } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . .$76,256 } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$66,753
24

53% 47%
MICHIGAN
State HealtH FactS
95% 40%
Small Employers
Large Employers
14%
Uninsured

State RankingS
20th 39th 17th
14,889 27,785 42,647
24th
1
25

63% 37%
FullyInsured
SelfInsured
MINNESOTA
State HealtH FactS
95% 43%
Small Employers
Large Employers
9%
Uninsured

State RankingS
rd
6th 6th
19,250 18,407 37,657
20th
1
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/Ad } Payroll Other Insurance-Related Jobs . . . . . . . . . . $1,058,681,000e } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/Ad } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$57,703
26

62% 38%
FullyInsured
SelfInsured
MISSISSIPPI
State HealtH FactS
95%
Small 31% Employers
Large Employers
18%
Uninsured

State RankingS
39th 47th 50th
1,750b 5,669c 7,419
42nd
1
27

57% 43%
FullyInsured
SelfInsured
MISSOURI
State HealtH FactS
96% 41%
Small Employers
Large Employers
15%
Uninsured

State RankingS
30
th
17th 25th
10,096 20,730 30,826
14th
1
28

47% 53%
MONTANA
State HealtH FactS
99%
Small 28% Employers
Large Employers
15%
Uninsured

State RankingS
31
st
13th 28th
1,035b 3,768 4,803
51
1
st in % of employers offering
health insurance
29

67% 33%
FullyInsured
SelfInsured
NEBRASKA
State HealtH FactS
96%
Small 30% Employers
Large Employers
12%
Uninsured

State RankingS
11
th
14th 8th
7,500b 6,369 13,869
47
1
health insurance
30

61% 39%
FullyInsured
SelfInsured
NEVADA
State HealtH FactS
93% 38%
Small Employers
Large Employers
21%
Uninsured

State RankingS
48th 41st 32nd
3,810 5,551 9,361
22
1
nd in % of employers offering
health insurance
31

59% 41%
FullyInsured
SelfInsured
NEW HAMPSHIRE
State HealtH FactS
98% 48%
Small Employers
Large Employers
11%
Uninsured

State RankingS
7th 12th 2nd
2,300b 3,575 5,875
11
1
health insurance
32

58% 42%
FullyInsured
SelfInsured
NEW JERSEY
State HealtH FactS
99% 56%
Small Employers
Large Employers
16%
Uninsured
State RankingS
33
rd
9,440 28,355 37,795
5th 11
3rd
1
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . .$707,346,000d } Payroll Other Insurance-Related Jobs . . . . . . . . . . $1,792,388,000e } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . .$76,346 } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$72,114
33

65% 35%
FullyInsured
SelfInsured
NEW MEXICO
State HealtH FactS
95%
Small 35% Employers
Large Employers
22%
Uninsured
State RankingS
49
th
2,809 3,912 c 6,721
29th 51
34th
1
34

44% 56%
NEW YORK
State HealtH FactS
98% 50%
Small Employers
Large Employers
15%
Uninsured

} Individual Market Single . . . . . . . . . . . . . . . . . . . . . . . . . . $6,630 } Individual Market Family. . . . . . . . . . . . . . . . . . . . . . . . . $13,296 } Small Group Market Single . . . . . . . . . . . . . . . . . . . . . . . $6,648 } Small Group Market Family . . . . . . . . . . . . . . . . . . . . . . $17,460
State RankingS
26th 2nd 40th
33,322 57,758 91,080
12
1
health insurance
35

67% 33%
FullyInsured
SelfInsured
NORTH CAROLINA
State HealtH FactS
97%
Small 34% Employers
Large Employers
18%
Uninsured

State RankingS
42nd 18th 39th
7,579 20,076 27,655
32
1
nd in % of employers offering
health insurance
36

51% 49%
NORTH DAKOTA
State HealtH FactS
96% 38%
Small Employers
Large Employers
11%
Uninsured

} Small Group Market Single . . . . . . . . . . . . . . . . . . . . . . . $3,624 } Small Group Market Family . . . . . . . . . . . . . . . . . . . . . . . $9,516
State RankingS
8th 9th 1
3,750b 2,384c 6,134
39th
1
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/Ad } Payroll Other Insurance-Related Jobs . . . . . . . . . . . . .$97,994,000e } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/Ad } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$41,105
37

59% 41%
FullyInsured
SelfInsured
OHIO
State HealtH FactS
97% 50%
Small Employers
Large Employers
14%
Uninsured

State RankingS
24th 16th 22nd
19,915 33,389 53,304
4
1
38

65% 35%
FullyInsured
SelfInsured
OKLAHOMA
State HealtH FactS
93%
Small 32% Employers
Large Employers
18%
Uninsured

} Individual Market Single . . . . . . . . . . . . . . . . . . . . . . . . . . $3,220 } Individual Market Family. . . . . . . . . . . . . . . . . . . . . . . . . . $5,947
State RankingS
43rd 40th 42nd
4,296 8,849c 13,145
44th
1
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . $252,051,000d } Payroll Other Insurance-Related Jobs . . . . . . . . . . . .$365,851,000e } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . .$61,163 } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$41,344
39

56% 44%
FullyInsured
SelfInsured
OREGON
State HealtH FactS
95% 41%
Small Employers
Large Employers
18%
Uninsured
State RankingS
41
st
11,121 9,909 21,030
22nd 27
28th
1
40

61% 39%
FullyInsured
SelfInsured
PENNSYLVANIA
State HealtH FactS
98% 49%
Small Employers
Large Employers
11%
Uninsured

State RankingS
10
th
in uninsured rate
10th 12th
in Medicaid payment per enrollee in % of residents covered by private insurance
41,428 38,592 80,020
6
1
health insurance
41

55% 45%
RHODE ISLAND
State HealtH FactS
98% 50%
Small Employers
Large Employers
12%
Uninsured

} Individual Market Single . . . . . . . . . . . . . . . . . . . . . . . . . . $4,779 } Individual Market Family. . . . . . . . . . . . . . . . . . . . . . . . . $11,107
State RankingS
13th 1st 26th
1,750b 3,411 5,161
9th
1
42

61% 39%
FullyInsured
SelfInsured
SOUTH CAROLINA
State HealtH FactS
96% 36%
Small Employers
Large Employers
17%
Uninsured

State RankingS
38
th
46th 38th
17,560 10,094 27,654
27
1
health insurance
43

49% 51%
SOUTH DAKOTA
State HealtH FactS
97% 38%
Small Employers
Large Employers
14%
Uninsured
State RankingS
19
th
1,275 b 2,717 c 3,992
31st 14
41st
1
44

61% 39%
FullyInsured
SelfInsured
TENNESSEE
State HealtH FactS
97% 37%
Small Employers
Large Employers
15%
Uninsured

State RankingS
32nd 35th 44th
17,510 16,744 34,254
19th
1
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/Ad } Payroll Other Insurance-Related Jobs . . . . . . . . . . . . $901,022,000 } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/Ad } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$53,812
45

62% 38%
FullyInsured
SelfInsured
TEXAS
State HealtH FactS
94%
Small 34% Employers
Large Employers
26%
Uninsured

State RankingS
51
st
42nd 49th
26,607 65,649 92,256
35th
1
46

48% 52%
UTAH
State HealtH FactS
94%
Small 31% Employers
Large Employers
15%
Uninsured

State RankingS
27th 36th 9
3,736 7,841c 11,577
46th
1
47

36% 64%
VERMONT
State HealtH FactS
99% 47%
Small Employers
Large Employers
10%
Uninsured
State RankingS
th
435 1,880 2,315
25th 24
16th
1
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/Ad } Payroll Other Insurance-Related Jobs . . . . . . . . . . . . .$91,560,000e } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . . . .N/Ad } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$54,018
48

55% 45%
VIRGINIA
State HealtH FactS
98% 37%
Small Employers
Large Employers
13%
Uninsured

State RankingS
16th 23rd 16th
10,043 19,211 29,254
23
1
rd in % of employers offering
health insurance
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . .$582,402,000d } Payroll Other Insurance-Related Jobs . . . . . . . . . . .$1,038,912,000 } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . .$70,228 } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$54,079
49

60% 40%
FullyInsured
SelfInsured
WASHINGTON
State HealtH FactS
97% 42%
Small Employers
Large Employers
13%
Uninsured

State RankingS
15th 37th 19th
11,056 15,276 26,332
26th
1
50

62% 38%
FullyInsured
SelfInsured
WEST VIRGINIA
State HealtH FactS
96%
Small 32% Employers
Large Employers
14%
Uninsured

State RankingS
22nd 21st 37th
2,008b 3,902c 5,910
37th
1
51

58% 42%
FullyInsured
SelfInsured
WISCONSIN
State HealtH FactS
96% 37%
Small Employers
Large Employers
10%
Uninsured

State RankingS
4th 34th 7th
18,969 18,525 37,494
33rd
1
52

64% 36%
FullyInsured
SelfInsured
WYOMING
State HealtH FactS
92%
Small 29% Employers
Large Employers
16%
Uninsured
State RankingS
34
th
410 1,214 c 1,624
19th 20
49th
1
} Payroll Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . . . .$16,847,000d } Payroll Other Insurance-Related Jobs . . . . . . . . . . . . .$39,513,000e } Average Wage Direct Jobs . . . . . . . . . . . . . . . . . . . . . . . . . .$48,134 } Average Wage Other Insurance-Related Jobs. . . . . . . . . . .$34,240
53
ENDNOTES
a. Data on average annual health insurance premiums for single and family coverage in the individual market were not available for the following states: Alabama, Alaska, Arkansas, Delaware, District of Columbia, Hawaii, Idaho, Louisiana, Maryland, Michigan, Mississippi, New Jersey, New Mexico, North Dakota, Oregon, South Dakota, Utah, Vermont, Washington, West Virginia, Wisconsin, and Wyoming. Data on average annual health insurance premiums for single and family coverage in the small group market were not available for the following states: Alaska, Connecticut, Delaware, District of Columbia, Hawaii, Idaho, Maryland, New Jersey, New Mexico, Oklahoma, Oregon, Rhode Island, South Dakota, Vermont, and Wyoming. b. The U.S. Census bureau did not supply data for direct jobs in health insurance, HMO Medical Carriers (NAICS code 621491), for the following states: Alaska, Delaware, Iowa, Maine, Mississippi, Montana, Nebraska, New Hampshire, North Dakota, Rhode Island, South Dakota, and West Virginia. c. The U.S. Census bureau did not supply data for other insurancerelated jobs, Reinsurance Carriers (NAICS code 524130), for the following states: Alaska, Delaware, Hawaii, Idaho, Kentucky, Mississippi, New Mexico, North Dakota, Oklahoma, South Dakota, Utah, West Virginia, and Wyoming. d. The U.S. Census bureau did not supply data on payroll for direct jobs in health insurance, Direct Health and Medical Insurance Carriers (NAICS code 524114), for the following states: Connecticut, Kentucky, Minnesota, Nebraska, North Carolina, North Dakota, Rhode Island, South Carolina, Tennessee, and Vermont. e.
d. (continued) The U.S. Census bureau did not supply data on payroll for direct jobs, HMO Medical Carriers (NAICS code 621491), for the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, and Wyoming. e. The U.S. Census bureau did not supply data on payroll for other insurance-related jobs, Reinsurance Carriers (NAICS code 524130), for the following states: Alaska, Arizona, Arkansas, Colorado, Delaware, District of Columbia, Hawaii, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Dakota, Oklahoma, Oregon, Rhode Island, South Carolina, South Dakota, Utah, Vermont, Washington, West Virginia, Wisconsin, and Wyoming. f. The U.S. Census bureau did not supply data on payroll for other insurance-related jobs, Claims Adjusting (NAICS code 524291), for the following states: District of Columbia, Georgia, and New Jersey. f. The U.S. Census bureau did not supply data on payroll for other insurance-related jobs, Third Party Administration of Insurance and Pension Funds (NAICS code 524292), for the following states: New Mexico, Vermont, and Wyoming. f. based on a quarterly report from the Massachusetts Division of Health Care, Finance and Policy (DHCFP), more than 98% of Massachusetts residents had health insurance at the time of DHCFPs 2010 Massachusetts Health Insurance Survey.
54
SOURCES
People with Private Health Insurance Coverage Data provided by the U.S. Census bureau through a joint project between the bureau of Labor Statistics and the Census bureau and made available through the Annual Social and Economic Supplement of the Current Population Survey. Data for each state were listed in Table HI05 Health Insurance Coverage Status and Type of Coverage by State and Age for All People: 2009. State rankings are based on the number of people in the state with private coverage divided by the total number of people in the state. A ranking of #1 indicates the highest percentage of people with private coverage. Percents are displayed as whole numbers, but rankings are based on percentages calculated to one-hundredth of a percent. Private Health Insurance Enrollees, Self-Insured v. Fully-Insured Health Plans Data provided by the Agency for Healthcare Research and Quality in their Center for Financing, Access and Cost Trends. These data were made available through the 2009 Medical Expenditure Panel Survey (MEPS) Insurance Component and can be found in Table II.b.2.b(1) titled, Percent of private-sector enrollees that are enrolled in self-insured plans at establishments that offer health insurance by firm size and State: United States, 2009. Average Annual Health Insurance Premium for Single Coverage, Individual Market Data provided by Americas Health Insurance Plans, Center for Policy and Research, and made available through the report, Individual Health Insurance 2009: A Comprehensive Survey of Premiums, Availability, and benefits, October, 2009. The data for each state were listed in Table 3 Individual Market, Average Annual Premiums in Selected States, 2009. Average Annual Health Insurance Premium for Family Coverage, Individual Market Data provided by Americas Health Insurance Plans, Center for Policy and Research, and
made available through the report, Individual Health Insurance 2009: A Comprehensive Survey of Premiums, Availability, and benefits, October, 2009. The data for each state were listed in Table 3 Individual Market, Average Annual Premiums in Selected States, 2009. Average Annual Premium for Single Coverage, Small Group Market Data provided by Americas Health Insurance Plans, Center for Policy and Research, and made available through the report, Small Group Health Insurance in 2010: A Comprehensive Survey of Premiums, Product Choices, and benefits, June, 2011. The data for each state were listed in Table 5 Premiums by State, All Small Groups, 2010. Average Annual Health Insurance Premium for Family Coverage, Small Group Market Data provided by Americas Health Insurance Plans, Center for Policy and Research, and made available through the report, Small Group Health Insurance in 2010: A Comprehensive Survey of Premiums, Product Choices, and benefits, June, 2011. The data for each state were listed in Table 5 Premiums by State, All Small Groups, 2010. Family premiums are estimated for a family of four. Total State Premium Tax Collected From Insurance Companies Data provided by the U.S. Census bureau and made available through the 2010 Annual Survey of State Government Tax Collections. The data for the District of Columbia were made available through the D.C. governments FY 2011 Proposed budget and Financial Plan and can be found in Table 4-11 in the Revenue Appendix titled, Gross Receipts Tax Revenue, Fiscal Years 2009-2014. For this report, we used gross insurance premium data for FY 2009 (actual). Data include state premium tax collected from all types of insurance companies, including health insurance.
Percent of Employers Offering Health Insurance, Large v. Small Employers Data provided by the Agency for Healthcare Research and Qualitys Center for Financing, Access and Cost Trends. These data were made available through the 2009 Medical Expenditure Panel Survey (MEPS) Insurance Component and can be found in Table II.A.2(2009) titled, Percent of private-sector establishments that offer health insurance by firm size and state: United States, 2009. A large employer group is defined as an establishment with 50 or more employees. A small employer group is defined as an establishment with fewer than 50 employees. An employee is defined as a person on the companys payroll. Excludes temporary and contract workers but includes the owner or manager if that person works at the firm. All percentages are rounded to the nearest whole number. State rankings are based on the percentage of employers in the state that offer health insurance. A ranking of #1 indicates the highest percentage of employers offering health insurance. Direct Jobs in Health Insurance Data provided by the U.S. Census bureau through the 2009 County business Patterns (NAICS) report. AHIP compiled the data for several NAICS codes to compute a total amount of direct jobs in health insurance. Direct Jobs includes jobs in the insurance industry for NAICS codes 524114 (Direct Health and Medical Insurance Carriers) and 621491 (HMO Medical Carriers). Other Insurance-Related Jobs Data provided by the U.S. Census bureau through the 2009 County business Patterns (NAICS) report. AHIP compiled the data for several NAICS codes to compute a total number of other insurance-related jobs. AHIP describes this category as jobs that are categorized in the overall insurance industry, which are present in the health insurance industry, but not exclusively. The NAICS
55
SOURCES (Continued)
codes used for other insurance-related jobs are: 524210 (Insurance brokers and Agents), 524130 (Reinsurance Carriers), 524291 (Claims Adjusting), and 524292 (Third Party Administration of Insurance and Pension Funds). Payroll for Direct Jobs in Health Insurance Data provided by the U.S. Census bureau through the 2009 County business Patterns (NAICS) report. AHIP compiled the data for several NAICS codes to compute a total amount of annual payroll in health insurance. This takes into account jobs in the insurance industry for NAICS codes 524114 (Direct Health and Medical Insurance Carriers) and 621491 (HMO Medical Carriers). Payroll for Other Insurance-Related Jobs Data provided by the U.S. Census bureau through the 2009 County business Patterns (NAICS) report. AHIP compiled the data for several NAICS codes to compute a total amount of annual payroll for direct jobs in health insurance. This takes into account jobs in the overall insurance industry for NAICS codes 524130 (Reinsurance Carriers), 524210 (Insurance brokers and Agents), 524291 (Claims Adjusting), and 524292 (Third Party Administration of Insurance and Pension Funds). See the note for Other Insurance-Related Jobs above.
Average Wage, Direct Jobs in Health Insurance Data provided by the U.S. Census bureau through the 2009 County business Patterns (NAICS) report. The average was calculated by dividing the total payroll for direct jobs in health insurance by the total number of direct jobs in health insurance. Only states that included information on number of jobs and payroll were used in the calculation. For definitions of Direct Jobs in Health Insurance and Payroll for Direct Jobs in Health Insurance see those sections above. Average Wage, Other Insurance-Related Jobs Data provided by the U.S. Census bureau and made available through the 2009 County business Patterns (NAICS) report. The average was calculated by dividing the total payroll for other insurance-related jobs by the total number of other insurance-related jobs. Only states that included information on number of jobs and payroll were used in the calculation. For definitions of Other Insurance-Related Jobs and Payroll for Other Insurance-Related Jobs, see those sections above. Percent of Uninsured Data provided by the U.S. Census bureau through a joint project between the bureau of Labor Statistics and the bureau of the Census and made available through the Annual Social
and Economic Supplement of the Current Population Survey. Data for each state were listed in Table HI05 Health Insurance Coverage Status and Type of Coverage by State and Age for All People: 2009. State rankings are based on the total percentage of uninsured in the state. A ranking of #1 indicates the lowest percentage of uninsured. Percents are displayed as whole numbers, but rankings are based on percentages calculated to one-hundredth of a percent. Average Medicaid Payment per Enrollee Data provided by the Kaiser Family Foundation (KFF) and made available through the State Health Facts report, Medicaid Payments per Enrollee, FY2007 table. This information includes both state and federal data. State rankings are based on the average Medicaid per capita expenditure in dollars. A ranking of #1 indicates the highest average amount of Medicaid per capita expenditure.
56
AHIP MEMbER LISTING
As of August 2011
A AEGON USA, Inc. Aetna Inc. Affinity Health Plan Aflac Alameda Alliance for Health Alere Medical, Inc. Allegiance Life & Health Insurance Company AlohaCare AMA Insurance Agency, Inc. American Fidelity Assurance Company American Heritage Life Insurance Company American Republic Insurance Company American Specialty Health, Inc. AMERIGROUP Corporation AmeriHealth Mercy Family of Companies Arcadian Health Plans Arkansas blue Cross and blue Shield Assurant Health AultCare AvMed Health Plans Avera Health Plans
Aveta Inc. AXIS Global Accident & Health B banner MediSun blueCross blueShield of Arizona blueCross blueShield of Tennessee blue Cross & blue Shield of Rhode Island blue Cross and blue Shield of Florida blue Cross and blue Shield of Illinois blue Cross and blue Shield of Kansas blue Cross and blue Shield of Louisiana blue Cross and blue Shield of Massachusetts blue Cross and blue Shield of Minnesota blue Cross and blue Shield of Montana blue Cross and blue Shield of Nebraska blue Cross and blue Shield of North Carolina blue Cross blue Shield of Michigan blue Cross blue Shield of North Dakota
blue Cross of Idaho blue Cross of Northeastern Pennsylvania blue Shield of California bluegrass Family Health boston Medical Center HealthNet Plan bravo Health C Capital blueCross Capital District Physicians Health Plan, Inc. Care1st Health Plan CareFirst blue Cross blue Shield CareOregon, Inc. CareMore Medical Enterprises CareSource Celtic Insurance Company Centene Corporation Chartered Health Plan CHCS Services, Inc. Childrens Mercy Family Health Partners Chinese Community Health Plan CIGNA Corporation CNO Financial Group
Colorado Choice/San Luis Valley HMO Combined Insurance Company of America Commercial Travelers Mutual Insurance Co. CommunityCare, Inc. Community Health Network of Connecticut, Inc. ConnectiCare, Inc. D DAKOTACARE Dean Health Plan, Inc. Delta Dental Plans Association Denver Health Medical Plan, Inc. Disability Management Services, Inc. E Elderplan, Inc. EmblemHealth Erickson Advantage Essence Healthcare F Fallon Community Health Plan FamilyCare, Inc. Federated Insurance Company
57
AHIP MEMbER LISTING (Continued)
As of August 2011
FirstCarolinaCare, Inc. First Choice Health Fiserv Inc. Florida Hospital Healthcare System Fresenius Health Partners G Geisinger Health Plan General Re Life Corporation Genworth Financial, Inc. Group Health Coop Eau Claire Group Health Coop of South Central Wisconsin Group Health Cooperative Group Health Incorporated Guarantee Trust Life Insurance Company The Guardian Life Insurance Company of America GuildNet Gundersen Lutheran Health Plan, Inc. H Harvard Pilgrim Health Care, Inc. Harvard University Health Services HealthEquity, Inc. Healthfirst, Inc.
HealthMarkets HealthNow New York, Inc. HealthPartners, Inc. HealthPlan Services, Inc. HealthPlus of Michigan HealthSpring, Inc. Healthways, Inc. Health Alliance Medical Plan Health Alliance Plan of Michigan Health Dialog Health First Health Plans Health Net, Inc. Health New England, Inc. Health Partners, Inc. Health Plan of Michigan, Inc. Health Plan of San Joaquin Health Tradition Health Plan Highmark Inc. HIP Health Plan of New York Horizon blue Cross blue Shield of New Jersey Humana, Inc. I Illinois Mutual Life Insurance Company Independence blue Cross
Independent Care Health Plan Independent Health Association, Inc. Insurance Administrative Solutions, L.L.C. Integrated Health Plan, Inc. Inter Valley Health Plan J,K&L John Hancock Life Insurance JPMorgan Chase Kaiser Foundation Health Plan Kern Health Systems L.A. Care Health Plan LifeCare Assurance Company The Lifetime Healthcare Companies/Excellus Long Term Care Group, Inc. Long Term Care Partners, LLC Lovelace Sandia/Lovelace Health Plan M Martins Point Health Care MedAmerica Insurance Company of New York Medco YOURx PLAN Medica Health Plans Medical benefits Mutual Life Insurance Co.
Medical Mutual of Ohio MetLife Metropolitan Health Plan Mid Rogue Health Plan Molina Healthcare, Inc. Mount Carmel Health Plan, Inc. MultiPlan, Inc. Munich Re America HealthCare Mutual of Omaha Insurance Company MVP Health Care N National Teachers Associates Life Insurance Company Nationwide Life Insurance Company Neighborhood Health Plan Neighborhood Health Plan of Rhode Island Neighborhood Health Providers Network Health Plan New West Health Plan New York Life Insurance Company O&P The ODS Companies On Lok Senior Health Services
58
AHIP MEMbER LISTING (Continued)
As of August 2011
PacificSource Health Plans Partnership HealthPlan of California Passport Health Plan PayFlex Pearle Vision Managed Care HMO of Texas, Inc. Penn Highlands Health Plan Penn Treaty American Corporation Peoples Health Network Physicians benefits Trust Life Insurance Co. Physicians HealthPlan of Northern Indiana, Inc. Physicians Mutual Insurance Company Preferred Care Partners PreferredOne Presbyterian Health Plan PrimeWest Health System Principal Financial Group Providence Health Plans Prudential Insurance Company of America
Q&R QualCare, Inc. QualChoice of Arkansas Regence blueCross blueShield of Oregon Regence blueCross blueShield of Utah Regence blueShield Regence blueShield of Idaho Renown Health/Hometown Health Plan Rocky Mountain Health Plans S Samaritan Health Plans, Inc. San Francisco Health Plan SCAN Health Plan Scott & White Health Plans Senior Health Insurance Company of Pennsylvania Senior Whole Health, LLC Sentara Health Management Sharp Health Plan Silver Script Insurance Company Soundpath Health
Southeastern Indiana Health Organization State Farm Insurance Companies Sterling Life Insurance Company Sun Life Insurance & Annuity Company Syncare, LLC. T TakeCare Insurance Company, Inc. Teachers Protective Mutual Life Insurance Company Thrivant Financial for Lutherans Touchstone Health Partnership, Inc. TriWest Healthcare Alliance Corp. Trillium Community Health Plan Trustmark Insurance Company Tufts Health Plan U UCare UnitedHealthcare United Teacher Associates Insurance Company
Unity Health Plans Universal American Corp. Universal Health Care, Inc. University Health Alliance Unum Group UPMC Health Plan Upper Peninsula Health Plan USAA Life Insurance Company USHEALTH Group V&W Virginia Premier Health Plan, Inc. VNS Choice WellCare Health Plans WellPoint, Inc. Wells Fargo Western Health Advantage WINHealth Partners X, Y & Z XL Health Corporation Yale University Health Plan Zurich American Insurance Group
59
Americas Health Insurance Plans

601 Pennsylvania Avenue, NW South building Washington, D.C. 20004 www.ahip.org
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Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware Florida Georgia Hawaii Idaho Illinois Indiana Iowa

2011 Health Insurance: Overview and Economic Impact in the States

AbOUT THE DATA

Center for Policy and Research Americas Health Insurance Plans

P eoPle witH P Rivate H ealtH i nSuRance c oveRage

PeRcent oF emPloyeRS oFFeRing HealtH inSuRance

a veRage a nnual H ealtH i nSuRance P RemiumS a

Average Annual Medicaid Payment per Enrollee . . . . . . . . . . $3,945

37th 49th 35th

J obS in H ealtH i nSuRance i nduStRy 2

4,404 11,857 16,261

Direct Jobs Other InsuranceRelated Jobs Total Jobs

Center for Policy and Research Americas Health Insurance Plans

P eoPle witH P Rivate H ealtH i nSuRance c oveRage

PeRcent oF emPloyeRS oFFeRing HealtH inSuRance

a veRage a nnual H ealtH i nSuRance P RemiumS a

Average Annual Medicaid Payment per Enrollee . . . . . . . . . . $7,815

} Total State Premium Taxes Collected from all Insurance

in uninsured rate 3 in Medicaid payment per enrollee

J obS in H ealtH i nSuRance i nduStRy 2

143 b 1,264 c 1,407

Direct Jobs Other InsuranceRelated Jobs Total Jobs

covered by private insurance in % of employers offering health insurance (tie)

Center for Policy and Research Americas Health Insurance Plans

P eoPle witH P Rivate H ealtH i nSuRance c oveRage

PeRcent oF emPloyeRS oFFeRing HealtH inSuRance

a veRage a nnual H ealtH i nSuRance P RemiumS

Average Annual Medicaid Payment per Enrollee . . . . . . . . . . $4,348

J obS in H ealtH i nSuRance i nduStRy 2

9,826 14,851 24,677

Direct Jobs Other InsuranceRelated Jobs Total Jobs

P eoPle witH P Rivate H ealtH i nSuRance c oveRage

PeRcent oF emPloyeRS oFFeRing HealtH inSuRance

a veRage a nnual H ealtH i nSuRance P RemiumS a

Average Annual Medicaid Payment per Enrollee . . . . . . . . . . $4,195

44th 45th 48th

J obS in H ealtH i nSuRance i nduStRy 2

3,810 6,268 10,078

Direct Jobs Other InsuranceRelated Jobs Total Jobs

Center for Policy and Research Americas Health Insurance Plans

P eoPle witH P Rivate H ealtH i nSuRance c oveRage

PeRcent oF emPloyeRS oFFeRing HealtH inSuRance

a veRage a nnual H ealtH i nSuRance P RemiumS

Average Annual Medicaid Payment per Enrollee . . . . . . . . . . $3,168

46th 51st 45th

J obS in H ealtH i nSuRance i nduStRy 2

51,916 98,319 150,235

Direct Jobs Other InsuranceRelated Jobs Total Jobs

P eoPle witH P Rivate H ealtH i nSuRance c oveRage

PeRcent oF emPloyeRS oFFeRing HealtH inSuRance

a veRage a nnual H ealtH i nSuRance P RemiumS

Average Annual Medicaid Payment per Enrollee . . . . . . . . . . $4,935

J obS in H ealtH i nSuRance i nduStRy 2

9,915 14,633 24,548

Direct Jobs Other InsuranceRelated Jobs Total Jobs

P eoPle witH P Rivate H ealtH i nSuRance c oveRage

PeRcent oF emPloyeRS oFFeRing HealtH inSuRance

a veRage a nnual H ealtH i nSuRance P RemiumS a

Average Annual Medicaid Payment per Enrollee . . . . . . . . . . $7,357

12th 8th 3rd

J obS in H ealtH i nSuRance i nduStRy 2

17,875 13,095 30,970

Direct Jobs Other InsuranceRelated Jobs Total Jobs