Affordable Care Act

How Much Did Health Insurance Cost in 2016?

Published on October 24, 2016


Prescription Drug Tiers ObamacareWith the 2017 open enrollment period fast approaching, let’s take a look at what individual and family health insurance consumers spent for coverage during 2016.
eHealth recently released a report on the health insurance costs borne by individual and family health insurance shoppers who purchased coverage at eHealth during last year’s open enrollment season.
According to the report, people shopping for 2016 health insurance plans and not utilizing premium tax credits (often referred to as Obamacare subsidies) chose health insurance plans with monthly premiums averaging $321 for individuals and $833 for families.
The full report is available for download here or through the company’s media center.
eHealth’s findings are derived from an analysis of plans selected by more than 70,000 individual and family health insurance shoppers at during the 2016 open enrollment period (November 1, 2015 – January 31, 2016). Highlights include the following:

  • Monthly premiums averaged $321 for individuals and $833 for families
  • Annual deductibles averaged $4,358 for individuals and $7,983 for families
  • The average individual platinum plan ($498 per month) cost 58% more than the average bronze plan ($315 per month)
  • Bronze-level plans accounted for 44% of all individual and family plans selected; silver: 29%; gold: 12%; platinum: 3%; and catastrophic: 12%
  • HMO-style plans accounted for 40% of all individual and family plans selected; PPO: 38%; EPO: 16%; and POS: 6%
  • Nearly 40% of eHealth shoppers identified themselves as previously uninsured1

eHealth is one of the few organizations with national source health insurance data that broadly reflects consumer buying patterns and purchase prices in the self-purchased individual and family health insurance market. eHealth’s analysis provides insights into the large segment of the individual and family health insurance market which may not qualify for or elect to use government subsidies, and which may shop for coverage through sources other than government exchanges.
Tens of thousands of people used eHealth to apply for tax credits online in states utilizing as their state’s exchange during the 2016 open enrollment period. However, applications submitted by these shoppers were excluded from this analysis.
Data presented in eHealth’s report is based solely on rates quoted for health insurance applications submitted by unsubsidized people through the company’s website,, in the specified time period and not through any government exchange. It does not offer a comprehensive view of costs for all plans available through eHealth, through the market as a whole, or through government exchanges.
Certain applications missing key data fields relevant for the analysis may have been removed from the total sample. Specific health insurance plan premiums, deductibles, and other features may differ significantly from any averages or other presented statistics. For more information on the methods employed for the collection and analysis of data, please refer to the methodology section at the end of the report.

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