Exhibit 1. Average 2016 Premiums, by State and Metal Tier, and Average Change in Premiums, and Premium Increases Premium Increases Average Premium by Metal Tier for 40-Year-Old Nonsmoker, 2016 All PlansSilver Plans All PlansSilver PlansBronzeSilverGoldPlatinum United States 0%-1%6%5%$278$337$410$502 Alabama 3%8% 15%17%$268$315$394$406 Alaska 31%32% 31%34%$619$783$898 - Arizona -3%-2% 6%5%$288$342$392 - Arkansas 3%1% -1%-3%$235$271$321$359 California 1% 0%4%1%$248$309$381$449 Colorado -8%-6% 8%7%$283$353$414$531 Connecticut -1% -7%-1%2%$266$380$412$482 Delaware 3%6% 18%15%$291$372$442$539 District of Columbia 11% 8%-2%-9%$193$267$361$448 Florida 7% -1%-9%$293$336$416$553 Source: Review of publicly available 2014, 2015, and 2016 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 1. Average 2016 Premiums, by State and Metal Tier, and Average Change in Premiums, and Premium Increases Premium Increases Average Premium by Metal Tier for 40-Year-Old Nonsmoker, 2016 All PlansSilver Plans All PlansSilver PlansBronzeSilverGoldPlatinum United States 0%-1%6%5%$278$337$410$502 Georgia 1%-1% 10%9%$288$336$422- Hawaii -3% -5%29%31%$222$271$330$389 Idaho 14% 17%12% $269$325$369- Illinois -2%-9% 6%8%$264$313$386- Indiana 5%4% -4%-5%$290$335$404- Iowa 11%10% 15%12%$279$348$416$569 Kansas 4%1% 26%23%$250$301$356$438 Kentucky 7%-1% 4%5%$239$293$353$357 Louisiana 12%11% 6%13%$314$404$464$473 Maine -1%2% 3%0%$284$343$458- Source: Review of publicly available 2014, 2015, and 2016 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 1. Average 2016 Premiums, by State and Metal Tier, and Average Change in Premiums, and Premium Increases Premium Increases Average Premium by Metal Tier for 40-Year-Old Nonsmoker, 2016 All PlansSilver Plans All PlansSilver PlansBronzeSilverGoldPlatinum United States 0%-1%6%5%$278$337$410$502 Maryland 0%-2% 9% $229$293$364$361 Massachusetts 0%2% 1% $290$348$464$550 Michigan -1%-5% 4%5%$252$322$405$475 Minnesota 19% 14%21%27%$228$308$367- Mississippi -19%-15% 3%-4%$272$302$397$428 Missouri 9%8% 15%12%$288$343$413$420 Montana 3% 22%28%$279$348$436- Nebraska 10%4% 19%16%$295$372$449- Nevada 4%1% 5%8%$260$313$379$396 New Hampshire 16%13% -1%1%$251$333$401$360 Source: Review of publicly available 2014, 2015, and 2016 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 1. Average 2016 Premiums, by State and Metal Tier, and Average Change in Premiums, and Premium Increases Premium Increases Average Premium by Metal Tier for 40-Year-Old Nonsmoker, 2016 All PlansSilver Plans All PlansSilver PlansBronzeSilverGoldPlatinum United States 0%-1%6%5%$278$337$410$502 New Jersey 2%-4% 4%5%$342$377$473$637 New Mexico -1%-3% 10%6%$214$268$316$405 New York - ---$382$460$534$630 North Carolina 12%13% 27%22%$341$418$504$646 North Dakota 7% 10%9%$279$346$406- Ohio 4% 7% $284$343$407- Oklahoma -1%3% 10%20%$255$345$409- Oregon -5%-4% 17% $253$307$369- Pennsylvania 12% -1%-4%$246$300$364$509 Rhode Island 0% -2%9%12%$244$318$359- South Carolina 10%3% 6% $282$325$412- Source: Review of publicly available 2014, 2015, and 2016 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 1. Average 2016 Premiums, by State and Metal Tier, and Average Change in Premiums, and Premium Increases Premium Increases Average Premium by Metal Tier for 40-Year-Old Nonsmoker, 2016 All PlansSilver Plans All PlansSilver PlansBronzeSilverGoldPlatinum United States 0%-1%6%5%$278$337$410$502 South Dakota -21%-20% 14%19%$282$345$427- Tennessee 9% 37%33%$260$341$470$638 Texas 5%2% -8%-9%$253$298$361$514 Utah 5%4% 22%21%$255$309$367$404 Vermont 7% 9%6% $398$483$558$661 Virginia -56%-49% 6% $269$325$413$409 Washington -1% -2%2%-1%$247$302$378- West Virginia 10%9% 27%31%$305$378$455- Wisconsin 7%9% 0%3%$314$386$440$475 Wyoming 5%6% 5%7%$417$486$579- Source: Review of publicly available 2014, 2015, and 2016 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit Premium and Premiums Changes for Benchmark Silver Plans for Urban, Suburban, and Rural Areas Statewide Percentage Increase in Benchmark Silver Plan Statewide Percentage Increase in Benchmark Silver Plan by Geographic Area Average Benchmark Silver Plan Premium for 40-Year-Old Nonsmoker, by Geographic Area and State, 2016 Average Benchmark Silver Plan Premium for 40-Year- Old Nonsmoker by State, 2016 % Increase in Benchmark Silver Plan, % Increase in Benchmark Silver Plan, UrbanSuburbanRural UrbanSuburbanRural United States 1%6%0%4%3%8%1%11%$276$302$305$289 Alabama 3%14%2%8%-3%18%4%16%$285$301 $296 Alaska 28%31%26%31%29%31%34%31%$719 Arizona -5%16%-10%17%7%21%13%10%$207$217$324$229 Arkansas -2%3%-2%4%-2%1%-3%8%$289$303$298$300 California 1% 4% 0% 4% 1% 6% 9% 2%$268$384$349$293 Colorado -18%39%-16%30%-20%45%-30%52%$274$288$404$307 Connecticut -13% 8% -12% 12% -14% 2% -14% 14%$337$384$344$358 Delaware 4%18%4%18% $356-- District of Columbia 5% -4% 5% -4% $243-- Florida 4%-11%2%-6%13%-14%14%-5%$258$291$295$280 Source: Review of publicly available 2014, 2015, and 2016 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit Premium and Premiums Changes for Benchmark Silver Plans for Urban, Suburban, and Rural Areas Statewide Percentage Increase in Benchmark Silver Plan Statewide Percentage Increase in Benchmark Silver Plan by Geographic Area Average Benchmark Silver Plan Premium for 40-Year-Old Nonsmoker, by Geographic Area and State, 2016 Average Benchmark Silver Plan Premium for 40-Year- Old Nonsmoker by State, 2016 % Increase in Benchmark Silver Plan, % Increase in Benchmark Silver Plan, UrbanSuburbanRural UrbanSuburbanRural United States 1%6%0%4%3%8%1%11%$276$302$305$289 Georgia 1%9%2%1%2%3%-11%40%$257$268$393$285 Hawaii 9% 30% 9% 30% $262-- Idaho 0% 21% -9% 30% 6% 16% -2% 16%$273$283$289$283 Illinois 3%10%1%-8%9%22%-3%20%$198$283$317$253 Indiana -6%-8%-4%-11%-7%-8%-20%-1%$292$276$271$280 Iowa -2%11%-4%9%-7%24%13%6%$269$254$314$283 Kansas -1%12%0%8%-2%15%0%10%$242$250$252$248 Kentucky 0%-5%3%2%9%-11%-16%1%$216$229$253$230 Louisiana 3%41%0%18%6%55%4%52%$350$351$370$355 Maine -2%1%-4%1% -5%0%7%$285$326$341$315 Source: Review of publicly available 2014, 2015, and 2016 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit Premium and Premiums Changes for Benchmark Silver Plans for Urban, Suburban and Rural Areas Statewide Percentage Increase in Benchmark Silver Plan Statewide Percentage Increase in Benchmark Silver Plan by Geographic Area Average Benchmark Silver Plan Premium for 40-Year-Old Nonsmoker, by Geographic Area and State, 2016 Average Benchmark Silver Plan Premium for 40-Year- Old Nonsmoker by State, 2016 % Increase in Benchmark Silver Plan, % Increase in Benchmark Silver Plan, UrbanSuburbanRural UrbanSuburbanRural United States 1%6%0%4%3%8%1%11%$276$302$305$289 Maryland 5% 9% 3% 6% 4% 13% 9% 6%$249$256$258$253 Massachusetts -4%2%-7%3%-6%3% -3%$264 $247$262 Michigan 3%4%3%-2%5%-1%-3%26%$226$232$324$245 Minnesota 17% 20% 19% 29% 27% 32% -7% 0%$235$273$284$252 Mississippi -19%-7%-19%-6%-26%-8%-17%-6%$255$280$257$265 Missouri 2%14%5% -2%33%1%12%$289$335$348$312 Montana -6%35%-5%37%-3%33%-8%34%$326$322$319$322 Nebraska 2%24%-3%18%7%26%16%45%$313$330$383$327 Nevada 0%9%0%10%0%8%-9%2%$261$335$442$285 New Hampshire -15%6%-15%6% $261-- Source: Review of publicly available 2014, 2015, and 2016 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit Premium and Premiums Changes for Benchmark Silver Plans for Urban, Suburban, and Rural Areas Statewide Percentage Increase in Benchmark Silver Plan Statewide Percentage Increase in Benchmark Silver Plan by Geographic Area Average Benchmark Silver Plan Premium for 40-Year-Old Nonsmoker, by Geographic Area and State, 2016 Average Benchmark Silver Plan Premium for 40-Year- Old Nonsmoker by State, 2016 % Increase in Benchmark Silver Plan, % Increase in Benchmark Silver Plan, UrbanSuburbanRural UrbanSuburbanRural United States 1%6%0%4%3%8%1%11%$276$302$305$289 New Jersey -1%3%-1%3% $325-- New Mexico -11%13%-11%39%-12%30%-10%-8%$241$277$219$235 New York $367$418$446$388 North Carolina 9%21%7%18%14%21%11%24%$387$384$410$388 North Dakota 5%7%0%12%7%9%7%6%$304$333$323$320 Ohio 3%-1% 3%4%-6%12%0%$254$253$278$257 Oklahoma 2%36%9%35%0%37%-2%36%$295$306$293$297 Oregon -1%18%-1%23%-1%14%-2%15%$261$271$275$267 Pennsylvania -7%3%-11%-9%4%19%-2%2%$243$282$214$258 Rhode Island -12% 1% -12% 1% $263-- South Carolina -2%7%-4%5%1%14%1%0%$291$310$288$298 Source: Review of publicly available 2014, 2015, and 2016 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit Premium and Premiums Changes for Benchmark Silver Plans for Urban, Suburban, and Rural Areas Statewide Percentage Increase in Benchmark Silver Plan Statewide Percentage Increase in Benchmark Silver Plan by Geographic Area Average Benchmark Silver Plan Premium for 40-Year-Old Nonsmoker, by Geographic Area and State, 2016 Average Benchmark Silver Plan Premium for 40-Year- Old Nonsmoker by State, 2016 % Increase in Benchmark Silver Plan, % Increase in Benchmark Silver Plan, UrbanSuburbanRural UrbanSuburbanRural United States 1%6%0%4%3%8%1%11%$276$302$305$289 South Dakota -7%26%-3%20%-15%31%-4%27%$309$354$330 Tennessee 4%44%8%38%2%49%-7%44%$280$282$301$284 Texas 4%-8%3%-11%9%-5%5%3%$248$218$248$244 Utah 3%14%3%13%3%12%2%19%$244$258$293$257 Vermont 6% 7% 6% 7% $468-- Virginia 3%1%4%0%3%7%3% $281$314$282$283 Washington -8% 4% -10% -11% -7% 14% -7% -8%$227$308$244$275 West Virginia 8%23%8%19%8%19%8%26%$322$344$376$358 Wisconsin 5% 6%-2%2%7%6%4%$326$322$267$305 Wyoming 5%6%3%5%7%10%5% $426$468 $461 Source: Review of publicly available 2014, 2015, and 2016 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 3. Average 2016 Premiums, by Type of Carrier, and Average Change in Premiums, and Premium Increases Premium Increases Average Premium by Type of Carrier for 40-Year-Old Nonsmoker, 2016 Blue Cross Blue Shield National Commercial CO-OPMedicaid Blue Cross and Blue Shield National Commercial CO-OPMedicaid Blue Cross Blue Shield National Commercial CO-OpMedicaid United States 6%0%-8%-13%7%4%12% $363$351$340$331 Alabama 4%0% -- 15%10%--$345$303-- Alaska 35%--26%39%--38%$822--$686 Arizona -5%8%-32%2%8%-8%11%2%$304$291$277$256 Arkansas 2%---6%9%---1%$310$367-$319 California 5%-1%- -2%-4%-10%$346$331-$363 Colorado -4% -16%10% 6%-18%$378$333-$434 Connecticut -5%--13%-10%5%13%-$364$375$332- Delaware 2%---18%13%--$401$355-- District of Columbia 11%9%---1%-6%--$310$280-- Florida 19%11%--17%-3%-7%--4%$420$343-$276 Source: Review of publicly available 2014, 2015, and 2016 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 3. Average 2016 Premiums, by Type of Carrier, and Average Change in Premiums, and Premium Increases Premium Increases Average Premium by Type of Carrier for 40-Year-Old Nonsmoker, 2016 Blue Cross Blue Shield National Commercial CO-OPMedicaid Blue Cross Blue Shield National Commercial CO-OPMedicaid Blue Cross Blue Shield National Commercial CO-OPMedicaid United States 6%0%-8%-13%7%4%12% $363$351$340$331 Georgia -14%15%--6%20%5%-44%$335$340-$405 Hawaii -9%9%--26%35%--$313$292-- Idaho 11%--23%22%-21%1%$314-$289$335 Illinois 8%-4%-20%-18%1%-1%22%37%$293$317$337$347 Indiana -6%---8%7%3%--9%$336$378-$298 Iowa --15%-2%---14%-$314-$324 Kansas -2%--15%21%---$313$304-- Kentucky -8%13%27%-8%29%--$293$334-- Louisiana 14%8%10%-8%13%--$403$366-- Maine --0%-1%-2%-$339-$321- Source: Review of publicly available 2014, 2015, and 2016 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 3. Average 2016 Premiums, by Type of Carrier, and Average Change in Premiums, and Premium Increases Premium Increases Average Premium by Type of Carrier for 40-Year-Old Nonsmoker, 2016 Blue Cross Blue Shield National Commercial CO-OPMedicaid Blue Cross and Blue Shield National Commercial CO-OPMedicaid Blue Cross Blue Shield National Commercial CO-OPMedicaid United States 6%0%-8%-13%7%4%12% $363$351$340$331 Maryland 16%-7%-8%-15%1%18%-$324$288$284- Massachusetts 2%--6%9%4%--3%$527$535-$428 Michigan 9%19%-11%-7%10% 17%-2%$341$271$439$300 Minnesota 3%--7%29%--22%$335--$291 Mississippi -0%--27%-10%---$352-- Missouri 4%--12%11%--15%$340$333-$342 Montana 9%--2%-7%12%-33% $323-$344$333 Nebraska 20%-4%-10%20%--22%$398$338-$331 Nevada 0%6%0%- --$326$297-- New Hampshire 0%---6%-14%-$295-$315- Source: Review of publicly available 2014, 2015, and 2016 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 3. Average 2016 Premiums, by Type of Carrier, and Average Change in Premiums, and Premium Increases Premium Increases Average Premium by Type of Carrier for 40-Year-Old Nonsmoker, 2016 Blue Cross Blue Shield National Commercial CO-OPMedicaid Blue Cross Blue Shield National Commercial CO-OPMedicaid Blue Cross Blue Shield National Commercial CO-OPMedicaid United States 6%0%-8%-13%7%4%12% $363$351$340$331 New Jersey 4%--6%-8%-4%--$432$396-- New Mexico ---5% $284 New York $496$576-- North Carolina 13%---24%16%--$466$382-- North Dakota 12%--3%12%--15%$372--$341 Ohio 9%15%--10%2%12%16%10%$339$333$392$315 Oklahoma 6%---11%---$289$368-- Oregon -5%2%-8%5%20%7%22%25%$312$267$334$336 Pennsylvania 9%-18%-5%17%3%-9%$361$281-$304 Rhode Island 6%---10%13%--$334$313-- South Carolina -2%-0%-11%-12%-$329$408$322- Source: Review of publicly available 2014, 2015, and 2016 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.
Exhibit 3. Average 2016 Premiums, by Type of Carrier, and Average Change in Premiums, and Premium Increases Premium Increases Average Premium by Type of Carrier for 40-Year-Old Nonsmoker, 2016 Blue Cross Blue Shield National Commercial CO-OPMedicaid Blue Cross and Blue Shield National Commercial CO-OPMedicaid Blue Cross Blue Shield National Commercial CO-OPMedicaid United States 6%0%-8%-13%7%4%12% $363$351$340$331 South Dakota Tennessee 17%10%-30%-36%-3%--$407$292-- Texas 13%9%--18%-5%-7%-19%$299$322-$321 Utah -16%6%5%-23%30%18%-$262$320$311 Vermont 8%--10%6%-- $486--$514 Virginia 3%-59%--72%4%11%- $316$315-$329 Washington 4%-4%-5%-11%4%1%-3%-9%$319$318$264$256 West Virginia 10%---32%---$ Wisconsin 7%- 4% 13%-1%-6%$351$395$352$355 Wyoming Source: Review of publicly available 2014, 2015, and 2016 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, by State, in 2016, and Change Since 2014 and 2015 Urban AreaSuburban AreaRural Area Number of Carriers, 2015 Number of Carriers, 2016 Change Change Number of Carriers, 2015 Number of Carriers, 2016 Change Change Number of Carriers, 2015 Number of Carriers, 2016 Change Change United States Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware 3 (statewide) 3 (statewide) District of Columbia 4 (statewide) 3 (statewide) Florida Source: Review of publicly available 2014, 2015, and 2016 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, by State, in 2016, and Change Since 2014 and 2015 Urban AreaSuburban AreaRural Area Number of Carriers, 2015 Number of Carriers, 2016 Change Change Number of Carriers, 2015 Number of Carriers, 2016 Change Change Number of Carriers, 2015 Number of Carriers, 2016 Change Change United States Georgia Hawaii 2 (statewide) 2 (statewide) Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine 3 (statewide) 3 (statewide) Source: Review of publicly available 2014, 2015, and 2016 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, by State, in 2016, and Change Since 2014 and 2015 Urban AreaSuburban AreaRural Area Number of Carriers, 2015 Number of Carriers, 2016 Change Change Number of Carriers, 2015 Number of Carriers, 2016 Change Change Number of Carriers, 2015 Number of Carriers, 2016 Change Change United States Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire 5 (statewide) 5 (statewide) Source: Review of publicly available 2014, 2015, and 2016 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, by State, in 2016, and Change Since 2014 and 2015 Urban AreaSuburban AreaRural Area Number of Carriers, 2015 Number of Carriers, 2016 Change Change Number of Carriers, 2015 Number of Carriers, 2016 Change Change Number of Carriers, 2015 Number of Carriers, 2016 Change Change United States New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island 3 (statewide) 3 (statewide) South Carolina Source: Review of publicly available 2014, 2015, and 2016 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, by State, in 2016, and Change Since 2014 and 2015 Urban AreaSuburban AreaRural Area Number of Carriers, 2015 Number of Carriers, 2016 Change Change Number of Carriers, 2015 Number of Carriers, 2016 Change Change Number of Carriers, 2015 Number of Carriers, 2016 Change Change United States South Dakota Tennessee Texas Utah Vermont 2 (statewide) 2 (statewide) Virginia Washington West Virginia Wisconsin Wyoming Source: Review of publicly available 2014, 2015, and 2016 rate filings from Departments of Insurance and insurance exchange marketplace websites and CCIIO FFM landscape file.