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How much does individual and family health insurance cost?

We found, for instance, that cost increases in premiums and deductibles are flattening out relative to prior years, and in fact the average premium paid for family plans decreased in the past year.

According to the report:

For the first time in over seven years, we’re reporting an actual decrease in what the average family spends in health insurance premiums.

The objective of eHealth’s Cost and Benefits report is to provide a nationwide perspective on cost and benefit trends in the individually-purchased health insurance market, based on a large, geographically distributed sample of consumer health insurance policies purchased through eHealthInsurance.com. Offering thousands of plans from over 180 health insurance companies, eHealthInsurance is one of the few organizations with national source data reflecting consumer buying patterns and purchase prices in the individual and family health insurance market.

eHealth Inc.’s 2012 Cost and Benefits of Individual & Family Health Insurance report analyzes monthly premiums paid for individual and family major medical health insurance policies in 2012 along with the benefits associated with those plans. The 2012 plan data referred to in the report is derived from approximately 395,000 individual and family (IFP) major medical policies purchased through eHealthInsurance that were active in February 2012. For the purposes of comparison, cost data published in prior Cost and Benefits reports is also referenced in the 2012 report.

Analysis provided in the report is based solely on health insurance plans offered and purchased through eHealthInsurance.com. Results may not reflect the full scope of all individual and family health insurance products available nationwide or within a given state.

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