The content that follows is based on approved 2015 individual exchange offering data from state and federal exchanges, and is current as of November 19, 2014. We have approved data for all 50 states and D.C., covering 499 rating areas and 3,144 counties across the entire U.S.Please note: This report does not include off-exchange rates. For additional methodological details about how each of the charts was calculated, please see the appendix.Please contact us at reformcenter@mckinsey.com with any questions.McKinsey Center for U.S. Health System Reform2015 Individual Exchange information, last updated November 19, 2014+43%+28%+28%Incumbents from2014 (of282total)By the Numbers70CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across 50 states and D.C.+Average across 50 states and D.C.Percentage of subsidy-eligible population across 50 states and D.C.*Weighted average annual change*Ranges across all rating areas in 50 states and D.C.New entrants in 20151.4xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-price silver plansMaximum increase Maximum decreaseWill see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan 73% $26% +$169-$118McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times25 6SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.2015201420152014-30%-29%-33%McKinsey Center for U.S. Health System ReformSOURCE: Publicly available product data on federal and state exchanges as of November 19, 2014.**Includes provider-based entrants offering coverage in other lines of business.Provider**14%Medicaid11%CO-OP 6%Regional / Local9%National59%Blues1%BY CARRIER TYPE BY EXPERIENCE2014 exchange presence in other states13%Off-exchange in state, 2014 exchangepresence in other state(s) 44%New to individual insurance20%Off-exchange in state, no 2014 exchange presence23%70 New Entrants70 new entrants* in 2015 across the U.S.

*Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesLowest-price silver net premium changeSOURCE: Mckinsey Center for US Health Reform; Mckinsey Advanced Healthcare Analytics; data from federal and state exchanges as of Novemver, 15 2014. Last updated November 26, 2014. Net premium change in 2014 lowest-price silver to 2015 lowest-price silver McKinsey Center for U.S. Health System Reform$ PMPY premium change for all QHP-eligible consumersWAMTIDUTAZCOSDNDMNMOWIVT MEMIINKYTNALGASCVAWVLANEKSOKARHIAKORIAFLPAOHNYTXNVCAILNHMACTNJRIDEMDDCState by StateMcKinsey Center for U.S. Health System ReformNMNCMSWYClick on a state for details about 2015 individual exchange filings SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.Incumbents from2014 (of2total)+9%+9% Alabama02 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20152.5xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-2%-2%+9%-3%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan91% 7% +$92-$22McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of2total) Alaska02 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20150.8xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plansWill see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan100% 0% +$99McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.+28%+28%+28%20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of10total) Arizona08 03CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20150.9xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plansWill see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan7% 93% +$70-$238McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014+4%+13%-18%-21% +10%-10%SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times. Reduction in number of existing carriers due to 2 instances of a carrier with 2 filing names in 2014 now filing under 1 name in 2015 Maximum increase Maximum decrease$Range across rating areas in state Arkansas03 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of 3total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.5xLowest-pricebronze plansLowest-pricesilver plansWill see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan98% 2% McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014+$119-$552nd lowest-price silverplans*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.+8% -8%-7%-9%20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents++ from2014 (of11total)+12%+6% California10 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.0xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-2%-3% +10%-2%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan85% 14% +$143-$52McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$20152014*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.++Reflects withdrawal of one 2014 carrier in November, 2013SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times+2% -28%-29%-30%-$248Maximum increase Maximum decrease$ Colorado10 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of10total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted average annual change*New entrants in 20151.1xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-price silver plansWill see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan 58% 42% +$50McKinsey Center for U.S. Health System ReformRange across rating areas in stateMore plans offered compared to 2014NOTE: Due to changes in Colorado rating areas, only plans from the most populated combined 2014 regions used in comparison with new 2015 regions *Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times-19%-2%-8%-$21Connecticut03 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of3total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*Range across rating areas in stateNew entrants in 20152.2xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans+1%+3%Maximum increase Maximum decreaseWill see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan96% 4% $McKinsey Center for U.S. Health System Reform20152014More plans offered compared to 2014+$207*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change. SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times+9%Maximum increase Maximum decrease$ District of Columbia03 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of3total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20150.9xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans+1%+5%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan40% 60% McKinsey Center for U.S. Health System ReformRange across rating areas in state20152014Plans offered compared to 2014+$30*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.-$73SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of2total) Delaware02 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.2xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-3%+4%+4%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan100% 0% +$35McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of11total)+40%+24% Florida11 03CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20150.6xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-29%-22% +24%-18%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan80% 17%+$246-$90McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesMaximum increase Maximum decrease$Range across rating areas in state Georgia05 04CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of 5total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.9xLowest-pricebronze plansLowest-pricesilver plans+24%+10%-21%-23%-30%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan93% 6% McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014+$292-$992nd lowest-price silverplans*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.+23%20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of2total) Hawaii02 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20150.7xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plansWill see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan100% 0% +$122McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.+9%+14%+10%20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of4total)+13%+9% Idaho04 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.4xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-10%-12% +10%-12%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan77% 23% +$173-$76McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.2015201420152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.Incumbents from2014 (of7total)+19%+13% Illinois 05 03CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.2xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-3%-3% +12%-7%Will see net premium decrease in lowest-price silver planWill see net premium increase in lowest-price silver plan72% 28% +$108-$89McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times. Reduction in number of existing carriers due to 2 instances of a carrier with 2 filing names in 2014 now filing under 1 name in 2015 *Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019. -$79Maximum increase Maximum decrease$Indiana04 05CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of 4total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*Range across rating areas in stateNew entrants in 20152.0xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans+10% -23%-25%-27%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan 46% 53% McKinsey Center for U.S. Health System Reform+8%More plans offered compared to 2014+10%+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times.*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+$100Incumbents from2014 (of4total)+13%+13%+13% Iowa04 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.0xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-18%-18%-14%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan81% 19% +$373-$119McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times20152014*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change. SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.Incumbents from2014 (of4total) Kansas04 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20150.8xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-11%-13% +2%+11%+19%-1%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan7% 93% +$34-$254McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.Maximum increase Maximum decrease$Range across rating areas in state Kentucky03 02CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of 3total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.3xLowest-pricebronze plansLowest-pricesilver plans+9%+18%+14% -17%-9%-19%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan43% 56% McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times.2015201420152014+$783-$1602nd lowest-price silverplans*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change. SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.Incumbents from2014 (of5total)+9%+6% Louisiana05 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.3xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-3%+8%-2%-6%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan41% 55% +$207-$119McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.2015201420152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019. -$44+$65Maine02 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of2total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.4xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans+1%-3%-4%-7%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan 50% 48% McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times.*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.2015201420152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.-$54 Maryland05 02CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of6total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*Range across rating areas in stateNew entrants in 20151.4xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans+14%+7%+7%-22%-1%-2%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan49% McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014+$81Maximum increase Maximum decrease$+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times. Reduction in number of existing carriers due to an instance of a carrier with multiple filing names in 2014 now filing under 1 name in 2015.-1%51% *Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.2015201420152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.Incumbents from2014 (of10total) Massachusetts09 02CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.1xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plansWill see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan72% 28% +$255McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.SOURCE: Individual market exchange information available through state and federal exchanges with active window shopping as of November 13, 2014. Last updated November 14, 2014+7%+10%-$21320152014-3%-14%-6%+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times+13%+7% Michigan10 04CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of10total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20152.0xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-2%-3%-6%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan99% 1% +$283McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$+Based on the number of carriers that offer plans in each state; i.e.,a carrier that offers plans in 3 states is counted 3 times.-$65*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+15%Incumbents from2014 (of5total) Minnesota04 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.6xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plansWill see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan85% 15% +$195McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.SOURCE: Individual market exchange information available through state and federal exchanges with active window shopping as of November 13, 2014. Last updated November 14, 2014+26%+43%+25%-$20520152014-8%-2%-8%+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times Mississippi02 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of2total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.8xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-33%-24%-26%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest-price silver plan78% 21% +$325McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$-$105*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.+6%20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of4total) Missouri04 03CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.3xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plansWill see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan52% 45% McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.+18%+18%+23%-6%-10%-12%2015201420152014+$70-$96SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of3total)+3% Montana03 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.5xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-3%-8%-8%Will see net premium decrease in lowest-price silver planWill see net premium increase in lowest-price silver plan78% 22% +$61-$73McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.2015201420152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of4total)+13%+17% Nebraska03 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.0xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-3%+17%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan100% 0% +$96McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change. SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesMaximum increase Maximum decrease$ Nevada04 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of4total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.3xLowest-pricebronze plansLowest-pricesilver plans+1%+10%-5%-7%-18%Will see net premium decreasein lowest-price silver planWill see net premium increase in lowest- price silver plan 78% 22% McKinsey Center for U.S. Health System ReformRange across rating areas in state+$39More plans offered compared to 2014-$332nd lowest-price silver plans*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.2015201420152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of1total) New Hampshire01 04CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20153.8xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-17%-18%-15%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan0% 100% -$147McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of3total) New Jersey03 02CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.9xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans+2%-1%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan100% 0% +$153McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of4total) New Mexico04 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.2xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-12%-11%-14%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan77% 23% +$64-$170McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesMaximum increase Maximum decrease$Range across rating areas in state New York18 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of19total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.1xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans+11%+6%+13%-2%-11%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan73% 27% McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014-$324*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times+$106Incumbents from2014 (of2total)+16% North Carolina02 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.5xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-14%-16%+21%+21%-14%Will see net premium decrease in lowest-price silver planWill see net premium increase in lowest-price silver plan39% 60% +$69-$78McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of3total)+7%+8% North Dakota03 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.2xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-1%+7%Will see net premium decrease in lowest-price silver planWill see net premium increase in lowest-price silver plan34% 66% +$66-$55McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times+13%+12% Ohio11 05CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of12total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.8xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-22%-4%-8%Will see net premium decrease in lowest-price silver planWill see net premium increase in lowest-price silver plan63% 37% +$148McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$+17%-$53*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times. Reduction in number of existing carriers due to 2013 acquisition.Incumbents from2014 (of6total)+22%+15% Oklahoma03 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20150.8xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-2%+11% -7%Will see net premium decrease in lowest-price silver planWill see net premium increase in lowest-price silver plan9% 90% +$71-$103McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesMaximum increase Maximum decreaseRange across rating areas in state Oregon10 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of11total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.1xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plansWill see net premium decrease in lowest- price silver planWill see net premium increase in lowest- pricesilver plan99% 1% McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014+10%+10%+9%$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014-$1SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times+$139Incumbents from2014 (of10total)+16%+16%+16% Pennsylvania10 03CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.2xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-8%-1%-11%Will see net premium decrease in lowest-price silver planWill see net premium increase in lowest-price silver plan83% 17% +$272-$80McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times-5%-11%-12%Maximum increase Maximum decrease$ Rhode Island02 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of2total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*Range across rating areas in stateNew entrants in 20152.0xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plansWill see net premium decrease in lowest-price silver planWill see net premium increase in lowest- price silver plan 83% 17% McKinsey Center for U.S. Health System ReformMore plans offered compared to 201420152014-$249*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change. SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times+$102Incumbents from2014 (of4total)+3%+8% South Carolina04 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20152.2xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-17%-6% +5%-6%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan35% 65% +$110-$67McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of3total) South Dakota03 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.2xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-9%-15%-15%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan93% 6% +$103-$214McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times+1%-7%-6%+16%+15%+10%Maximum increase Maximum decrease$ Tennessee04 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of4total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.5xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plansWill see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan 63% 36% McKinsey Center for U.S. Health System ReformRange across rating areas in statePlans offered compared to 201420152014-$18+$60*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change. SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times-7%Incumbents from2014 (of12total)+26%+17% Texas11 03CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.5xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-6% +16%-4%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan88% 12% +$162-$40McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of6total)+10% Utah06 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.2xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-3%+3%+14%Will see net premium decrease in lowest-price silver planWill see net premium increase in lowest-price silver plan92% 6% +$148-$67McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesMaximum increase Maximum decrease$ -$16Virginia08 01CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of8total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Range across rating areas in stateNew entrants in 20151.1xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans+12%+8%+6%-3%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan 99% 1% +$73McKinsey Center for U.S. Health System ReformWeighted averageannual change*More plans offered compared to 2014*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesMaximum increase Maximum decrease$ Vermont02 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of2total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20150.9xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans+6%+8%+7%Will see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan100% 0% McKinsey Center for U.S. Health System ReformRange across rating areas in state+$153More plans offered compared to 2014*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times+4% -9%-19%-10%Maximum increase Maximum decrease$ -$189Washington08 02CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGESIncumbents from2014 (of8total)2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.6xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plansWill see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan35% 64% +$181McKinsey Center for U.S. Health System ReformRange across rating areas in stateMore plans offered compared to 2014*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of2total)+9%+9%+9% West Virginia01 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.2xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plansWill see net premium decrease in lowest- price silver planWill see net premium increase in lowest- price silver plan100% 0% +$60McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times. Reduction in number of existing carriers due to an instance of a carrier with multiple filing names in 2014 now filing under 1 name in 2015..Incumbents from2014 (of13total)+9%+8%+7% Wisconsin13 02CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20151.3xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans-15%-8%-10%Will see net premium decrease in lowest-price silver planWill see net premium increase in lowest-price silver plan51% 47% +$125-$112McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesIncumbents from2014 (of2total)+8% Wyoming02 00CARRIER EXCHANGE PARTICIPATION EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014 IMPACT OF PREMIUM CHANGES2015 filed carriers across state+Total across stateSubsidy-eligible population across state*Weighted averageannual change*New entrants in 20152.4xLowest-pricebronze plansLowest-pricesilver plans2nd lowest-pricesilver plans+10%+10%Will see net premium decrease in lowest-price silver planWill see net premium increase in lowest-price silver plan100% 0% +$222McKinsey Center for U.S. Health System ReformMore plans offered compared to 2014Range across rating areas in stateMaximum increase Maximum decrease$*Based on a weighted average net premium across all subsidy-eligible individuals; accounts for age, family size, income, and geography. Totals may not add up to 100% in cases where some individuals see no change.20152014SOURCE: Publicly available product data on federal and state exchanges as of November 18, 2019. Last updated November 19, 2019.+Based on the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 timesMcKinsey Center for U.S. Health System ReformAppendixTo understand how carrier participation is changing exchange competitive dynamics, we compared the carriers competing on the exchanges in 2014 and 2015. The carrier count represents the number of unique carriers offering products in at least one county within a state. (Not all carriers offer products in every county within a state.) Carrier count is as it appears to consumers shopping on exchanges. Specifically, the count is the number of carriers that offer plans in each state, i.e., carrier that offers plans in 3 states is counted 3 times, and a carrier that offers plans under 2 different carrier names in one state is counted 2 times. Incumbents from 2014 represents the number of carriers that filed exchange plans in a given state in both 2014and 2015. Of XX total represents the number of 2014 exchange carriers in a given state. (If that number is greater than the number of incumbents filing in 2015, one or more incumbents left that states exchange market in 2015.) New entrants in 2015 represents the number ofcarriers filing 2015 exchange plans that did not participate in 2014.How to read the charts00 00CARRIER EXCHANGE PARTICIPATIONTo understand how consumers choice of products is changing, we compared the number of exchange products offered in 2014 and 2015. Total across state was calculated by determining the total number of plans (in all metals levels) in each rating area and then adding those numbers together. Plans offered compared to 2014 represents the difference between the total number of 2015 exchange plans offered in a given state and all 2014 exchange plans offered in that same state; plans were counted uniquely at a rating area level (i.e., each plan in each rating area counts as 1). On the summary slide (By the Numbers), this difference represents an average of each state's 2014 vs. 2015 total exchange product offerings.How to read the charts20152014EXCHANGE PRODUCT OFFERINGSPREMIUM CHANGES FROM 2014+14% -19%-17%-21% +15%+13%How to read the chartsIMPACT OF PREMIUM CHANGESMcKinsey Center for U.S. Health System ReformTo understand how consumers choice of products is changing, we compared the number of exchange products offered in 2014 and 2015. Total across state was calculated by determining the total number of plans (in all metals levels) in each rating area and then adding those numbers together. Plans offered compared to 2014 represents the difference between the total number of 2015 exchange plans offered in a given state and all 2014 exchange plans offered in that same state; plans were counted uniquely at a rating area level (i.e., each plan in each rating area counts as 1). On the summary slide (By the Numbers), this difference represents an average of each state's 2014 vs. 2015 total exchange product offerings.To understand how premium price changes impact affordability, we calculated the premium price change in the lowest-price bronze, lowest-price silver, and second-lowest-price silver plans available in everyrating area within a given state between 2014 and2015.In both years, we used the gross per member per month (PMPM) premium price (before anysubsidies) for a 40-year-old non-smoker.Maximum decrease / increase represents the maximum percentage change in premiums across all rating areas in a given state, for each specified price point (i.e., lowest-price bronze, lowest-price silver, and second-lowest-price silver plans). (On the summary slide, it represents the maximum change across all rating areas in all states analyzed.)Each percentage represents a premium price change in one specific rating area (whichever rating area hasthe maximum decrease or maximum increase acrossthe entire state). It does not represent premiumchanges seen across the entire state. +$19-$22How to read the chartsPREMIUM CHANGES FROM 201438% 62% AppendixTo understand the net premium changes that subsidy-eligible individuals will face, we calculatedthe weighted average change in net premiums between 2014 and 2015 for the lowest-price silver plan in each rating area. We assumed that all individuals will redetermine their subsidy eligibility in 2015.First, we established a distribution of subsidy-eligible individuals (at a household level) in each rating area, using public sources (Census Bureau, ACS, SAHIE).Next, we combined this population distribution with data about 2014 and 2015 lowest-price silver plan net premiums, calculating per member per month net premiums at a household level. To estimate net premiums, we used income level and household size to determine the relative premium cap for each household unit. Then, we calculated the second-lowest-price silver premium based on the median age for each age bucket combined with household size to determine relative subsidy, and applied that to the lowest-price silver to calculate net premium of the lowest-price silver plan. Finally, we used the 2014 and 2015 net premiums to calculate weighted average rate changes for the 51 states individually and collectively.