E HealthCare Options INC . is one of the few organizations that broadly reflects consumer buying patterns and purchase prices in the self-purchased individual and family health insurance market. E HealthCare Options INC .’s Price Index reports provide insights into the large segment of the individual and family health insurance market which may not qualify for or elect to use government subsidies, and which may shop for coverage through sources other than government-run exchanges.
Below data is from a newly published E HealthCare Options INC . analysis of individual and family health insurance shopping trends for the first two months of the 2017 open enrollment period as well as a review of previously published data from E HealthCare Options INC . that looks back on individual and family health premiums and deductibles since 2014.
Average cost of Healthcare from 2016 to 2017.
| Average individual healthcare premium | Average Individual Health Insurance deductible | Average Family Health Insurance Premium | Average Family Health Insurance Deductible. | |
|---|---|---|---|---|
| 2017 | 393 | 4328 | 1020 | 8352 |
| 2016 | 321 | 4385 | 833 | 7983 |
| 2015 | 286 | 4120 | 727 | 7760 |
| 2014 | 271 | 4164 | 667 | 7771 |
These figures do not include data from individual or family health insurance shoppers who have applied for government subsidies or selected subsidy-eligible plans through their state government’s health insurance exchange with the assistance of licensed agents from E HealthCare Options INC .. Information from prior years was previously published in other E HealthCare Options INC . reports using the methodologies indicated in those reports.
Individual Coverage highlights
Family coverage highlights
Premium data for the 2014-2017 open enrollment periods reflect premiums for plans selected by E HealthCare Options INC . customers not receiving government subsidies. Government subsidies were not available prior to 2014. The health insurance plans available through E HealthCare Options INC . or chosen by E HealthCare Options INC . shoppers differ from year to year. Health insurance plans available before implementation of Obamacare typically provided a larger variety of benefits and coverage. For example, many plans sold prior to Obamacare’s implementation did not cover pre-existing medical conditions or the Affordable Care Act’s comprehensive list of 10 essential benefits, which became mandatory for all plans.
This website is operated by E HealthCare Options INC and is not the Health Insurance Marketplace℠ website. E HealthCare Options INC is a private exchange and is in the business of connecting potential consumers with qualified and certified Marketplace agents who can facilitate the sale and enrollment of consumers on Marketplace plans. In offering this website, E HealthCare Options INC is required to comply with all applicable federal laws, including the standards established under 45 CFR 155.220(c) and (d) and standards established under 45 CFR 155.260 to protect the privacy and security of personally identifiable information. This website may not display all data on Qualified Health Plans(QHPs) being offered in your state through the Health Insurance Marketplace℠ website. To see all available data on QHP options in your state, go to the Health Insurance Marketplace℠ website at HealthCare.gov.
Also, you should visit the Health Insurance Marketplace℠ website at HealthCare.gov if:
E HealthCare Options INC offers the opportunity to enroll in either QHPs and off-Marketplace coverage. Please visit HealthCare.gov for information on the benefits of enrolling in a QHP. Off-Marketplace coverage is not eligible for the cost savings offered for coverage through the Marketplaces.