Quote:
Originally Posted by edale
Isn't healthcare affordability almost entirely determined by your insurance? How would the state you live in change things?
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Quote:
Originally Posted by homebucket
I'm guessing those rankings are based on Medicaid, basically government health insurance for those with limited income. It's managed primarily by each specific state. Each participating state administers its own Medicaid program, establishes eligibility standards, determines the scope and types of services it will cover, and sets the rate of reimbursement physicians and care providers. Differences between states are often influenced by the political ideologies of the state and cultural beliefs of the general population.
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It's based on people with employer-provided healthcare, the way the majority of Americans get their healthcare. You'd have to read the article to get all the details, but here are the examples for the most expensive and least expensive healthcare states:
Most Expensive:
1.
North Carolina
North Carolina’s score: 100 out of 100
North Carolina is the most expensive state for healthcare, with the highest average premium for residents with “plus-one” health insurance coverage through an employer ($4,781 annually).
North Carolina has the second highest average premium for residents with family health insurance coverage through an employer ($7,180.33 annually).
The state reports having the fifth highest average deductible for residents with single health insurance coverage through an employer ($2,267.67 annually).
It ranks 11th highest for average deductible for residents with family health insurance coverage through an employer ($4,061.67 annually).
Most Affordable:
1.
Hawaii
Hawaii’s score: 0 out of 100
Hawaii sets the benchmark for having the most affordable healthcare in the U.S. It earned a perfect score of 0 on our healthcare cost ranking index and boasts the lowest percentages and costs in several key metrics:
Hawaii records the lowest percentage of adults who chose not to see a doctor at some point in the past 12 months due to cost (5.7%).
It also has the lowest percentage of adults reporting 14 or more mentally unhealthy days a month who could not see a doctor due to cost (11.6%).
Hawaii boasts the lowest average premium for residents with single health insurance coverage through an employer ($911 annually).
It also has the lowest average deductible for residents with single health insurance coverage through an employer ($1,310 annually).
Hawaii has the second lowest percentage of children whose families struggled to pay for their child’s medical bills in the past 12 months (5.7%).
Hawaii residents with family health insurance coverage through an employer pay the second lowest average deductible ($3,115 annually).
Hawaii has the third lowest average premium for residents with plus-one health insurance coverage through an employer ($3,654.67 annually).
It boasts the fourth lowest average premium for residents with family health insurance coverage through an employer ($5,373.67 annually).
The methodology is at the end of the article.