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Zane Benefits
Benefit Consultants
800-391-9209
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Defined Contribution Employer Health Benefits



What's the Catch...

How can personal policies be so much cheaper than group while still providing better benefits?

See how this is possible.

How much do personal policies cost?

If you are healthy, personal health insurance policy coverage now typically costs much less than the price of similar-benefit group coverage in 45 states. This is primarily because insurance carriers in 45 states are allowed to: (1) price based on age bands and (2) reject or charge more to applicants for personal policies with preexisting conditions.

Nationally, about 83% of the applicants for personal health policies from private insurance carriers, like Blue Cross Blue Shield, get accepted. But, federal law now requires all states to offer state-guaranteed personal policies (at higher cost) to HIPAA-eligible applicants who used to have group coverage. See What about sick employees?

The price of personal health insurance policies vary between states primarily because each state has different minimum requirements for coverage. For example, Texas requires a minimum lifetime maximum benefit per person of $3 million while California requires $6 million.

Available Rates for Personal Health Policies
Alabama 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $55.00
35 Aetna $2,900 $88.00
45 United Healthcare Golden Rule
$3,500 $103.00
55 Humana $2,500 $148.00
  Average Group Plan $1,500 $329.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Alaska 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Aetna $3,000 $55.00
35 Aetna $3,000 $83.00
45 Aetna $3,000 $131.00
55 Aetna $3,000 $234.00
  Average Group Plan $1,500 $378.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Arizona 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $44.00
35 United Healthcare Golden Rule $1,000 $80.00
45 United Healthcare Golden Rule $2,500 $88.00
55 United Healthcare Golden Rule $2,500 $160.00
  Average Group Plan $1,500 $357.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Arkansas 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield
$2,500 $43.00
35 Mercy Health Plans
$2,500 $73.00
45 United Healthcare Golden Rule $3,500 $82.00
55 United Healthcare Golden Rule $2,500 $160.00
  Average Group Plan $1,500 $300.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
California 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Blue Shield $2,900 $46.00
35 Blue Shield $2,900 $68.00
45 Health Net $1,500 $99.00
55 Anthem Blue Cross $2,500 $152.00
  Average Group Plan $1,500 $356.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Colorado 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $52.00
35 Rocky Mountain Health Plans
$2,800 $84.00
45 United Healthcare Golden Rule $3,500 $98.00
55 Aetna $3,500 $178.00
  Average Group Plan $1,500 $335.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Connecticut 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $51.00
35 United Healthcare Golden Rule $2,500 $67.00
45 United Healthcare Golden Rule $2,500 $103.00
55 United Healthcare Golden Rule $2,500 $170.00
  Average Group Plan $1,500 $367.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Delaware 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $47.00
35 United Healthcare Golden Rule $2,500 $63.00
45 United Healthcare Golden Rule $2,500 $97.00
55 United Healthcare Golden Rule $2,500 $180.00
  Average Group Plan $1,500 $393.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
District of Columbia 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield $2,700 $50.00
35 Blue Cross Blue Shield $1,200 $78.00
45 United Healthcare Golden Rule $3,500 $96.00
55 Blue Cross Blue Shield $2,700 $138.00
  Average Group Plan $1,500 $378.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Florida 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $58.00
35 United Healthcare Golden Rule $2,500 $76.00
45 United Healthcare Golden Rule $2,500 $116.00
55 United Healthcare Golden Rule $2,500 $214.00
  Average Group Plan $1,500 $328.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Georgia 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Blue Shield $2,500 $59.00
35 Blue Shield $2,500 $78.00
45 Health Net $2,500 $122.00
55 Anthem Blue Cross $5,000 $176.00
  Average Group Plan $1,500 $323.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Hawaii 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Kaiser Permanente
$0 $80.00
35 Kaiser Permanente $0 $110.00
45 Kaiser Permanente $0 $175.00
55 Kaiser Permanente $0 $248.00
  Average Group Plan $0 $300.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Idaho 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Blue Cross
$1,000 $46.00
35 Blue Cross $1,000 $62.00
45 Blue Cross $1,000 $87.00
55 Blue Cross $2,000 $146.00
  Average Group Plan $1,500 $300.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Illinois 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $56.00
35 United Healthcare Golden Rule $2,500 $74.00
45 United Healthcare Golden Rule $2,500 $113.00
55 United Healthcare Golden Rule $3,500 $192.00
  Average Group Plan $1,500 $354.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Indiana 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $61.00
35 United Healthcare Golden Rule $2,500 $81.00
45 United Healthcare Golden Rule $2,500 $122.00
55 United Healthcare Golden Rule $3,500 $209.00
  Average Group Plan $1,500 $332.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Iowa 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $42.00
35 HumanaOne $3,000 $54.00
45 HumanaOne $3,000 $95.00
55 CoventryOne $2,500 $141.00
  Average Group Plan $1,500 $326.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Kansas 2008 (change state )
Age Carrier Deductible Monthly Premium
25 CoventryOne $2,500 $46.00
35 CoventryOne $2,500 $60.00
45 United Healthcare Golden Rule $2,500 $94.00
55 CoventryOne $2,500 $160.00
  Average Group Plan $1,500 $319.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Kentucky 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield
$2,000 $49.00
35 United Healthcare Golden Rule $2,500 $56.00
45 HumanaOne $3,000 $84.00
55 Blue Cross Blue Shield
$3,000 $137.00
  Average Group Plan $1,500 $316.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Louisiana 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield $2,500 $45.00
35 United Healthcare Golden Rule $2,500 $73.00
45 Blue Cross Blue Shield $2,500 $90.00
55 Blue Cross Blue Shield $2,500 $141.00
  Average Group Plan $1,500 $328.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Maine 2008 (change state )
Age Carrier Deductible Monthly Premium
25 MEGA Life and Health
$3,500 $167.00
35 MEGA Life and Health $3,500 $167.00
45 MEGA Life and Health $3,500 $167.00
55 MEGA Life and Health $3,500 $167.00
  Average Group Plan $1,500 $389.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Maryland 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $48.00
35 United Healthcare Golden Rule $2,500 $63.00
45 United Healthcare Golden Rule $3,500 $89.00
55 Blue Cross Blue Shield
$2,700 $167.00
  Average Group Plan $1,500 $328.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Massachusetts 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Harvard Pilgrim
$2,000 $136.00
35 Neighborhood Health Plan
$2,000 $198.00
45 Neighborhood Health Plan $2,000 $250.00
55 Neighborhood Health Plan $2,000 $394.00
  Average Group Plan $1,500 $371.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Michigan 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield
$1,000 $47.00
35 United Healthcare Golden Rule $2,500 $62.00
45 United Healthcare Golden Rule $2,500 $94.00
55 United Healthcare Golden Rule $2,500 $171.00
  Average Group Plan $1,500 $371.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Minnesota 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Assurant $2,500 $69.00
35 Assurant $2,500 $75.00
45 Health Partners
$3,500 $122.00
55 Assurant $2,500 $125.00
  Average Group Plan $1,500 $332.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Mississippi 2008 (change state )
Age Carrier Deductible Monthly Premium
25 HumanaOne $3,000 $58.00
35 United Healthcare Golden Rule $3,500 $81.00
45 HumanaOne $3,000 $121.00
55 HumanaOne $5,000 $177.00
  Average Group Plan $1,500 $309.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Missouri 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $42.00
35 United Healthcare Golden Rule $2,500 $56.00
45 United Healthcare Golden Rule $3,500 $93.00
55 United Healthcare Golden Rule $2,500 $153.00
  Average Group Plan $1,500 $330.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Montana 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Assurant $2,900 $67.00
35 Assurant $2,900 $84.00
45 Assurant $1,500 $113.00
55 Assurant $5,000 $162.00
  Average Group Plan $1,500 $345.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Nebraska 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield $2,000 $30.00
35 Blue Cross Blue Shield $2,000 $41.00
45 United Healthcare Golden Rule $2,500 $94.00
55 Blue Cross Blue Shield
$2,000 $110.00
  Average Group Plan $1,500 $324.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Nevada 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $51.00
35 United Healthcare Golden Rule $2,500 $70.00
45 United Healthcare Golden Rule $3,500 $86.00
55 United Healthcare Golden Rule $3,500 $157.00
  Average Group Plan $1,500 $300.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
New Hampshire 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Celtic $2,500 $88.00
35 Celtic $2,600 $113.00
45 Celtic $2,600 $173.00
55 Celtic $2,600 $258.00
  Average Group Plan $1,500 $385.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
New Jersey 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield
$2,500 $345.00
35 Blue Cross Blue Shield $2,500 $345.00
45 Blue Cross Blue Shield $2,500 $345.00
55 Blue Cross Blue Shield $2,500 $345.00
  Average Group Plan $1,500 $373.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
New Mexico 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield $2,000 $50.00
35 United Healthcare Golden Rule $2,500 $57.00
45 United Healthcare Golden Rule $2,500 $80.00
55 Blue Cross Blue Shield
$2,000 $124.00
  Average Group Plan $1,500 $336.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
New York 2008 (change state )
Age Carrier Deductible Monthly Premium
25 GHI Alliance
$0 $388.00
35 GHI Alliance $0 $388.00
45 GHI Alliance $0 $388.00
55 GHI Alliance $0 $388.00
  Average Group Plan $1,500 $384.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
North Carolina 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Celtic $2,600 $54.00
35 HumanaOne
$3,000 $88.00
45 Assurant $2,500 $102.00
55 Assurant $2,500 $158.00
  Average Group Plan $1,500 $336.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
North Dakota 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Assurant $2,200 $56.00
35 Assurant $2,200 $73.00
45 Assurant $3,000 $91.00
55 Assurant $3,000 $132.00
  Average Group Plan $1,500 $316.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Ohio 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Anthem $2,000 $57.00
35 United Healthcare Golden Rule $3,500 $49.00
45 United Healthcare Golden Rule $3,500 $74.00
55 United Healthcare Golden Rule $2,500 $144.00
  Average Group Plan $1,500 $338.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Oklahoma 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Aetna $3,000 $46.00
35 United Healthcare Golden Rule $3,500 $72.00
45 United Healthcare Golden Rule $2,500 $118.00
55 Aetna $3,000 $183.00
  Average Group Plan $1,500 $331.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Oregon 2008 (change state )
Age Carrier Deductible Monthly Premium
25 ODS $2,800 $60.00
35 ODS $2,800 $90.00
45 ODS $2,800 $133.00
55 ODS $2,800 $186.00
  Average Group Plan $1,500 $344.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Pennsylvania 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $48.00
35 United Healthcare Golden Rule $2,500 $63.00
45 United Healthcare Golden Rule $2,500 $96.00
55 United Healthcare Golden Rule $2,500 $174.00
  Average Group Plan $1,500 $356.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Rhode Island 2008 (change state )
Age Carrier Deductible Monthly Premium
25 N/A N/A N/A
35 N/A N/A N/A
45 N/A N/A N/A
55 N/A N/A N/A
  Average Group Plan $1,500 $383.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
South Carolina 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $63.00
35 United Healthcare Golden Rule $2,500 $82.00
45 United Healthcare Golden Rule $3,500 $116.00
55 Assurant $3,000 $175.00
  Average Group Plan $1,500 $334.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
South Dakota 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $59.00
35 United Healthcare Golden Rule $2,500 $79.00
45 United Healthcare Golden Rule $3,500 $113.00
55 United Healthcare Golden Rule $2,800 $222.00
  Average Group Plan $1,500 $328.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Tennessee 2008 (change state )
Age Carrier Deductible Monthly Premium
25 HumanaOne $3,000 $58.00
35 United Healthcare Golden Rule $2,500 $78.00
45 United Healthcare Golden Rule $3,500 $109.00
55 CoventryOne $3,500 $186.00
  Average Group Plan $1,500 $312.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Texas 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $3,500 $68.00
35 Blue Cross Blue Shield $2,500 $93.00
45 Blue Cross Blue Shield
$2,500 $135.00
55 Blue Cross Blue Shield
$2,500 $226.00
  Average Group Plan $1,500 $344.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Utah 2008 (change state )
Age Carrier Deductible Monthly Premium
25 HumanaOne
$3,000 $47.00
35 HumanaOne $3,000 $56.00
45 HumanaOne $3,000 $98.00
55 SelectHealth $1,500 $176.00
  Average Group Plan $1,500 $321.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Vermont 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Blue Cross Blue Shield
$3,500 $578.00
35 Blue Cross Blue Shield $3,500 $578.00
45 Blue Cross Blue Shield $3,500 $578.00
55 Blue Cross Blue Shield $3,500 $578.00
  Average Group Plan $1,500 $360.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Virginia 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $51.00
35 United Healthcare Golden Rule $2,500 $67.00
45 United Healthcare Golden Rule $2,500 $101.00
55 Blue Cross Blue Shield
$2,700 $161.00
  Average Group Plan $1,500 $341.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Washington 2008 (change state )
Age Carrier Deductible Monthly Premium
25 Blue Shield $2,500 $60.00
35 GroupHealth $2,000 $79.00
45 Blue Shield $2,500 $120.00
55 GroupHealth $3,500 $173.00
  Average Group Plan $1,500 $338.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
West Virginia 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $52.00
35 United Healthcare Golden Rule $2,500 $68.00
45 United Healthcare Golden Rule $3,500 $96.00
55 United Healthcare Golden Rule $2,500 $187.00
  Average Group Plan $1,500 $362.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Wisconsin 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $49.00
35 United Healthcare Golden Rule $2,500 $65.00
45 United Healthcare Golden Rule $2,500 $99.00
55 United Healthcare Golden Rule $3,500 $167.00
  Average Group Plan $1,500 $353.00
More info on exact premiums for personal policies in your state
Available Rates for Personal Health Policies
Wyoming 2008 (change state )
Age Carrier Deductible Monthly Premium
25 United Healthcare Golden Rule $2,500 $56.00
35 United Healthcare Golden Rule $3,500 $59.00
45 United Healthcare Golden Rule $2,500 $115.00
55 United Healthcare Golden Rule $3,500 $196.00
  Average Group Plan $1,500 $384.00
More info on exact premiums for personal policies in your state

* The rates shown are for illustrative purposes only. The rates come from policies available in 2008 in the appropriate state for healthy applicants--such rates and policies may no longer be available and be increased based on health factors.  Please contact your local health insurance agent for accurate quotes on policies for specific applicants.

There is no fair way to compare personal health policy coverage to group policy coverage because they are not "similar". Aside from offering similar health benefits from the same insurance carriers:

  • Personal health coverage is permanent and portable, independent of their employment. Last year 1 million of the 2 million U.S. families filing for personal bankruptcy protection did so because of health expenses, and 82% (820,000) of these families had group coverage when they first became ill.
  • Group coverage is guaranteed-available at the same price to all eligible employees regardless of obesity, lifestyle, or preexisting conditions-that's why it is can be so expensive.
  • Only 83% of applicants medically qualify for personal health policies, although this figure can vary between 60% and 100% based on the age and demographics of your employees. Once accepted, rates do increase with the claims of everyone in your state with personal coverage, but from a much lower base price and from a carrier-selected much healthier group of individuals.
  • Applicants rejected or charged more for personal policies must receive coverage from another source (e.g. spouse’s group plan) or state-guaranteed coverage. State-guaranteed personal coverage is expensive—most states charge more than the federal guideline of 200%-300% the price of similar private carrier coverage. However, the blended cost per family can still be less than similar group coverage, because families typically obtain state-guaranteed coverage for their one unhealthy member and much less expensive private carrier personal coverage for the rest of the family.


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Copyright © 2010, Zane Benefits Inc.
Disclaimer: This information provided on this website is general in nature and does not apply to any specific U.S. state except where noted.
Health insurance regulations differ in each state. See your local licensed agent or ZaneHRA authorized reseller for detailed information on your state.


This website and related materials contain proprietary information, property of Zane Benefits, Inc., patent pending. Patents mentioned refer to patents or patent pending.
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