A year ago – before major Patient Protection and Affordable Care Act health insurance underwriting and pricing rules took effect – carriers sold 617 plans to working-age adults in California.

Annual base rates for a single, 19-year-old, nonsmoking male ranged from $672 to $11,664, with a median premium of $1,704.

Carriers sold just 120 individual plans in New York state, and that same 19-year-old male could pay anywhere from $1,986 per year to $24,324, with a median annual premium of $5,750.

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Allison Bell

Allison Bell, a senior reporter at ThinkAdvisor and BenefitsPRO, previously was an associate editor at National Underwriter Life & Health. She has a bachelor's degree in economics from Washington University in St. Louis and a master's degree in journalism from the Medill School of Journalism at Northwestern University. She can be reached through X at @Think_Allison.

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