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Minnesota Will Have Lowest Health Insurance Premiums - Valley News Live - KVLY/KXJB - Fargo/Grand Forks

Minnesota Will Have Lowest Health Insurance Premiums Under Overhaul

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Minnesota has the lowest average premiums nationwide on three health insurance plans that will be sold under the federal health care overhaul. 

The Obama administration is releasing information Wednesday on premiums and plans in 36 U.S. states where the federal government is managing the overhaul.

Minnesota is not among them, but the U.S. Department of Human Services released information comparing weighted average premiums among 47 states and the District of Columbia. 

Three states didn't set premiums in time to be included. 

Minnesota will offer average monthly premiums of $144 for a plan at the least expensive level of coverage, and $192 for two plans in the second least expensive.

No other state offers lower rates in any of the three categories. 

MNsure.com, the state's health plan portal, launches next week.

North Dakota is one of the states where the federal government will manage the overhaul.

Health and Human Services Secretary Kathleen Sebelius says the average sticker price will be $328 a month for an individual plan.

Results may vary considerably by state and particular circumstances. A tax credit will work like an upfront discount for most consumers. 

Sebelius says about 95 percent of consumers will have two or more insurers to choose from. 

The big difference among coverage levels is cost sharing through annual deductibles and copayments.

Bronze covers 60 percent of expected costs; silver, 70 percent, on up to platinum at 90 percent. Bronze plans have the lowest premiums and the highest cost sharing.

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