N.C. Health News put out a useful interactive map showing approximate health care rates in the state’s different regions.
Over on the non-profit news agency’s website, you can click on various regions after selecting your age group to see what the approximate rates are for different levels of plans on the private marketplace.
A 45-year-old in Charlotte could get a “bronze” benefit plan (covers 60 percent of total health care costs) for $252 a month, while a similar plan would cost $295 a month in New Bern.
From N.C. Health News:
The rates, which were reviewed and approved by the N.C. Department of Insurance during the past year, vary based on a number of factors including the number of hospitals and medical providers in the region, how much competition there is among the various providers, the local cost of medical care, the number of people in the area and how sick or well they’ve been in the past. But insurers can no longer charge more for women, deny people based on pre-existing conditions or impose lifetime caps on coverage.
“If your plan is ACA-compliant, those restrictions will no longer apply starting in January,” said Kerry Hall, DOI’s director of public information.
“Under the ACA, beginning in 2014 insurers can only price plans based on age, whether or not you use tobacco, geography and family composition,” Hall said. “The federal law also stipulates that older people can only be charged three times more than people in the under-30 age group.”
Another factor is family composition; if you had others covered under your policy, that would affect your premium.
Just click on the map below to head over to N.C. Health News and use their interactive version.