Most Affordable Exchange Plans in Major US Cities


Washington DC: Affordable Gold Plans on the Marketplace

Study: Which Cities Have the Best Rates for Gold Exchange Plans?

 

In this study, we searched for gold-level health insurance plans on the state and federal marketplaces in the 50 largest US cities. We ranked the least expensive premiums for gold plans in each city from lowest to highest so you can visualize what different insurance markets look like.

 

For each city, we compared rates for 30-year-old non-smokers shopping for a good set of healthcare benefits. Our criteria for plans included a deductible around $2500, if available, and more importantly, instant access to covered services for a copay.

 

This means that each of the plans below covers office visits with a primary or specialist doctor for a flat rate. Most plans we found also cover prescriptions and hospital care at copay.

 

The premiums don’t factor in subsidies that many people qualify for on the marketplaces, as they vary from person to person. We also looked for a relatively low out-of-pocket limit among the options provided.

 

In certain California markets, HMO plans with no deductible are the best option for comprehensive coverage. They offer copays or coinsurance on every covered service instead.

 

This data can be used to compare costs between major cities, and also provides an idea of the individual market on the Obamacare exchanges.

 

We chose gold plans because they offer more protection than the lower two levels of coverage, bronze and silver. Not only were we curious as to how much a good health plan would cost on the exchange, we thought you might like to know, too.

 

Results: Most Affordable Gold Plans on State Exchanges in 50 Largest Cities

 

Rank   City Premium      Carrier Deductible    Out-Of-Pocket Maximum
1 Minneapolis, MN $157 PreferredOne $2000 $2000
2 Washington, DC $180 Kaiser $1750 $6350
3 Wichita, KS $193 BCBSKS $1400 $2800
4 Detroit, MI $196 Humana $2500 $3500
5 Tucson, AZ $204 Humana $2500 $3500
6 Albuquerque, NM $206 BCBSNM $1500 $3500
7 Austin, TX $209 Humana $2500 $3500
8 Louisville, KY $215 KY Health Cooperative $1500 $3000
9 Memphis, TN $217 Humana $2500 $3500
10 Portland, OR $219 Health Net $2000 $3500
11 Mesa, AZ $221 Humana $2500 $3500
12 Phoenix, AZ $224 Humana $2500 $3500
13 Long Beach, CA $225 Health Net $0 $6350
14 Oklahoma City, OK $228 BCBSOK $1500 $3500
15 Las Vegas, NV $230 Health Plan of Nevada $1000 $4000
16 El Paso, TX $231 BCBSTX $1500 $3500
17 Baltimore, MD $231 CareFirst BlueChoice $1000 $3750
18 Atlanta, GA $232 Humana $2500 $3500
19 Los Angeles, CA $245 Health Net $0 $6350
20 Chicago, IL $245 BCBSIL $1500 $3500
21 San Antonio, TX $249 BCBSTX $1500 $3500
22 Nashville, TN $251 BCBSTN $2500 $3500
23 Houston, TX $253 Humana $2500 $3500
24 Tulsa, OK $255 BCBSOK $1500 $3500
25 Colorado Springs, CO $265 Colorado Choice Health Plans $1500 $4000
26 Columbus, OH $266 CareSource $1000 $1500
27 Jacksonville, FL $268 Florida Blue $1300 $2600
28 Raleigh, NC $272 Coventry One $1250 $5000
29 San Diego, CA $273 Health Net $0 $6350
30 Cleveland, OH $276 CareSource $1000 $1500
31 Miami, FL $281 Humana $2500 $3500
32 Denver, CO $281 Denver Health Medical Plan $1600 $5000
33 Omaha, NE $288 Coventry One $1750 $5000
34 Dallas, TX $296 BCBSTX $1500 $3500
35 Fort Worth, TX $296 BCBSTX $1500 $3500
36 Kansas City, MO $298 Blue KC $1500 $3500
37 Arlington, TX $296 BCBSTX $1500 $3500
38 Fresno, CA $299 Blue Shield of California $0 $6350
39 Virginia Beach, VA $306 Anthem HealthKeepers $750 $3500
40 Seattle, WA $308 Bridgespan Health Company $1000 $3300
41 Boston, MA $317 Neighborhood Health Plan $1500 $5000
42 Milwaukee, WI $325 Common Ground HealthCare Cooperative $500 $6350
43 Oakland, CA $335 Blue Shield of California $0 $6350
44 Charlotte, NC $350 BCBSNC $1000 $4000
45 Sacramento, CA $352 Blue Shield of California $0 $6350
46 San Jose, CA $358 Valley Health Plan $0 $6350
47 Philadelphia, PA $359 Independence Blue Cross $0 $5500
48 Indianapolis, IN $377 MDwise Marketplace $700 $3000
49 San Francisco, CA $396 Blue Shield of California $0 $6350
50 New York, NY $396 MetroPlus Health Plan $600 $4000