Local Affordable Health Insurance By State

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State Health Insurance Risk Pools

As of 2009, over 34 states in the U.S. have state risk pools. These are legislative created and non-profit sponsored government health insurance policies, particularly for those with pre-existing medical conditions that would make them uninsurable for a privately held insurance company. The premiums are often just as affordable as private health insurance.

However, in many states these are under-funded programs. In Florida, for example, the only people eligible are those that have held the Florida State Risk Pool Health Insurance policy since 1991 or before. Other states, such as Minnesota have a stable, well-funded state risk pool that works just as well as privately held companies.

Guaranteed Issue Health Insurance Laws

Several states, such as New York, New Jersey and Vermont requires all of their insurance companies to insure anyone who applies, regardless of health, community standing, age, etc. While this is great for the otherwise uninsured, it also causes some of the least affordable health insurance premiums in the nation. Because everyone is accepted, there are both greater risks among the insured population (someone with AIDS/HIV is treated with the same risk as someone with no health concerns) and less competition among health insurance prices. In New Jersey, a family can pay over $10,000 a year in health insurance premiums.

States that have the lowest, most affordable health insurance premiums in the country are the states with no guaranteed issue laws, as well as a diverse population and a sizable amount of different insurance companies vying for private health insurance policyholders. These states include Alabama, California, Colorado, Connecticut, Florida, Illinois, Missouri, New Mexico, Tennessee, Texas and more. California offers the lowest average individual health insurance premiums and New Mexico offers the lowest annual premiums for families.

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Affordable-Health-Insurance.com is an informational resource only and not an insurer or broker. The information on this site is provided for research purposes only, and is not necessarily affiliated with any specific carrier. We are not necessarily associated with any provider profiled on our site, and make no guarantees about the carrier affiliation of any broker that contacts you. Coverage options and policies may not be available in every state, and no guarantees of the same are made herein.