We tried
to isolate the apples from the zebras, and this is what we came up with.
Here’s a look at average Medicare Advantage
plan amounts by state for 2019.
How We Came Up With
These Averages
To create these averages, we started with the
big file of 2019 Medicare Advantage plan information that the Centers for
Medicare and Medicaid Services posted last week. The file, the 2019 MA
Landscape Source Files spreadsheet, is available here.
The spreadsheet gives plan price information on
a county-by-county basis.
For Autauga County in Alabama, for example,
the database shows two plans from a unit of UnitedHealth Group Inc., two from a
unit of Cigna Corp., one from Humana Inc., and one from a unit of Aetna Inc.
In an effort to try to create apples-to-apples
comparisons, we used only information for local health maintenance organization
plans, local preferred provider organization (PPO), plans and regional PPO
plans.
All plans included in the state averages offer
Medicare Part D prescription drug coverage, and all plans included offer
“enhanced alternative” drug benefits.
Alaska is missing from this data, because
Medicare Advantage plans are not currently available in Alaska.
The Data
Alabama Average monthly premium: $41.39 Average
annual drug deductible: $58.98 Average in-network MOOP: $5,329 Average
annualized premiums + in-network MOOP:$5,826
Arizona Average monthly premium: $28.20 Average
annual drug deductible: $111.04 Average in-network MOOP: $4,724 Average
annualized premiums + in-network MOOP:$5,062
Arkansas Average monthly premium: $25.26 Average
annual drug deductible: $125.75 Average in-network MOOP: $6,235 Average
annualized premiums + in-network MOOP:$6,538
California Average monthly premium: $29.24 Average
annual drug deductible: $99.55 Average in-network MOOP: $4,371 Average
annualized premiums + in-network MOOP:$4,722
Colorado Average monthly premium: $36.68 Average
annual drug deductible: $107.79 Average in-network MOOP: $5,232 Average
annualized premiums + in-network MOOP:$5,672
Connecticut Average monthly premium: $49.94 Average
annual drug deductible: $166.30 Average in-network MOOP: $5,991 Average
annualized premiums + in-network MOOP:$6,590
Delaware Average monthly premium: $33.63 Average
annual drug deductible: $127.50 Average in-network MOOP: $6,188 Average
annualized premiums + in-network MOOP:$6,591
District of Columbia Average monthly premium: $59.33 Average
annual drug deductible:$138.33 Average in-network MOOP: $6,500 Average
annualized premiums + in-network MOOP: $7,212
Florida Average monthly premium: $13.80 Average
annual drug deductible: $125.44 Average in-network MOOP: $5,358 Average
annualized premiums + in-network MOOP:$5,524
Georgia Average monthly premium: $26.14 Average
annual drug deductible: $179.56 Average in-network MOOP: $6,404 Average
annualized premiums + in-network MOOP:$6,718
Hawaii Average monthly premium: $71.59 Average
annual drug deductible: $207.22 Average in-network MOOP: $5,437 Average
annualized premiums + in-network MOOP:$6,296
Idaho Average monthly premium: $60.44 Average
annual drug deductible: $126.14 Average in-network MOOP: $6,101 Average
annualized premiums + in-network MOOP: $6,827
Illinois Average monthly premium: $54.76 Average
annual drug deductible: $36.28 Average in-network MOOP: $4,896 Average
annualized premiums + in-network MOOP: $5,553
Indiana Average monthly premium: $33.85 Average
annual drug deductible: $139.06 Average in-network MOOP: $5,568 Average
annualized premiums + in-network MOOP:$5,974
Iowa Average monthly premium: $16.91 Average
annual drug deductible: $93.95 Average in-network MOOP: $4,505 Average
annualized premiums + in-network MOOP: $4,708
Kansas Average monthly premium: $24.38 Average
annual drug deductible: $48.26 Average in-network MOOP: $5,637 Average
annualized premiums + in-network MOOP: $5,929
Kentucky Average monthly premium: $41.10 Average
annual drug deductible: $86.60 Average in-network MOOP: $6,031 Average
annualized premiums + in-network MOOP:$6,525
Louisiana Average monthly premium: $44.02 Average
annual drug deductible: $162.28 Average in-network MOOP: $5,907 Average
annualized premiums + in-network MOOP:$6,435
Maine Average monthly premium: $34.58 Average
annual drug deductible: $151.19 Average in-network MOOP: $5,902 Average
annualized premiums + in-network MOOP: $6,317
Maryland Average monthly premium: $65.42 Average
annual drug deductible: $168.46 Average in-network MOOP: $6,337 Average
annualized premiums + in-network MOOP:$7,122
Massachusetts Average monthly premium: $83.18 Average
annual drug deductible:$238.16 Average in-network MOOP: $5,006 Average
annualized premiums + in-network MOOP: $6,004
Michigan Average monthly premium: $87.09 Average
annual drug deductible: $88.74 Average in-network MOOP: $4,588 Average
annualized premiums + in-network MOOP:$5,633
Minnesota Average monthly premium: $115.90 Average
annual drug deductible: $284.67 Average in-network MOOP: $4,361 Average
annualized premiums + in-network MOOP:$5,752
Mississippi Average monthly premium: $42.31 Average
annual drug deductible: $300.52 Average in-network MOOP: $6,610 Average
annualized premiums + in-network MOOP:$7,117
Missouri Average monthly premium: $26.32 Average
annual drug deductible: $61.68 Average in-network MOOP: $5,155 Average
annualized premiums + in-network MOOP:$5,471
Montana Average monthly premium: $55.32 Average
annual drug deductible: $356.27 Average in-network MOOP: $5,657 Average
annualized premiums + in-network MOOP:$6,321
Nebraska Average monthly premium: $18.32 Average
annual drug deductible: $122.46 Average in-network MOOP: $5,408 Average
annualized premiums + in-network MOOP:$5,628
Nevada Average monthly premium: $45.46 Average
annual drug deductible: $97.78 Average in-network MOOP: $3,992 Average
annualized premiums + in-network MOOP:$4,538
New Hampshire Average monthly premium: $43.83 Average
annual drug deductible:$196.30 Average in-network MOOP: $6,194 Average
annualized premiums + in-network MOOP: $6,720
New Jersey Average monthly premium: $36.76 Average
annual drug deductible: $189.90 Average in-network MOOP: $6,461 Average
annualized premiums + in-network MOOP:$6,902
New Mexico Average monthly premium: $22.94 Average
annual drug deductible: $205.56 Average in-network MOOP: $5,193 Average
annualized premiums + in-network MOOP:$5,469
New York Average monthly premium: $55.52 Average
annual drug deductible: $160.14 Average in-network MOOP: $6,291 Average
annualized premiums + in-network MOOP:$6,957
North Carolina Average monthly premium: $39.76 Average
annual drug deductible:$173.76 Average in-network MOOP: $5,794 Average
annualized premiums + in-network MOOP: $6,271
North Dakota Average monthly premium: $63.67 Average
annual drug deductible: $316.67 Average in-network MOOP: $5,200 Average
annualized premiums + in-network MOOP:$5,964
Ohio Average monthly premium: $58.19 Average
annual drug deductible: $106.37 Average in-network MOOP: $4,833 Average
annualized premiums + in-network MOOP: $5,532
Oklahoma Average monthly premium: $24.82 Average
annual drug deductible: $98.85 Average in-network MOOP: $5,158 Average
annualized premiums + in-network MOOP:$5,456
Oregon Average monthly premium: $94.92 Average
annual drug deductible: $145.77 Average in-network MOOP: $4,715 Average
annualized premiums + in-network MOOP:$5,854
Pennsylvania Average monthly premium: $69.48 Average
annual drug deductible: $19.60 Average in-network MOOP: $5,856 Average
annualized premiums + in-network MOOP:$6,690
Puerto Rico Average monthly premium: $15.26 Average
annual drug deductible: $- Average in-network MOOP: $4,080 Average
annualized premiums + in-network MOOP: $4,264
Rhode Island Average monthly premium: $64.92 Average
annual drug deductible: $97.08 Average in-network MOOP: $4,554 Average
annualized premiums + in-network MOOP:$5,333
South Carolina Average monthly premium: $22.20 Average
annual drug deductible:$160.43 Average in-network MOOP: $6,501 Average
annualized premiums + in-network MOOP: $6,767
South Dakota Average monthly premium: $53.02 Average
annual drug deductible: $203.50 Average in-network MOOP: $4,521 Average
annualized premiums + in-network MOOP:$5,157
Tennessee Average monthly premium: $45.73 Average
annual drug deductible: $79.30 Average in-network MOOP: $5,650 Average
annualized premiums + in-network MOOP:$6,199
Texas Average monthly premium: $44.76 Average
annual drug deductible: $193.52 Average in-network MOOP: $5,872 Average
annualized premiums + in-network MOOP: $6,409
Utah Average monthly premium: $32.25 Average
annual drug deductible: $190.85 Average in-network MOOP: $5,913 Average
annualized premiums + in-network MOOP: $6,300
Vermont Average monthly premium: $52.47 Average
annual drug deductible: $161.67 Average in-network MOOP: $6,050 Average
annualized premiums + in-network MOOP:$6,680
Virginia Average monthly premium: $37.47 Average
annual drug deductible: $203.28 Average in-network MOOP: $6,009 Average
annualized premiums + in-network MOOP:$6,458
Washington State Average monthly premium: $66.59 Average
annual drug deductible:$122.92 Average in-network MOOP: $5,772 Average
annualized premiums + in-network MOOP: $6,571
West Virginia Average monthly premium: $53.55 Average
annual drug deductible: $63.79 Average in-network MOOP: $6,502 Average
annualized premiums + in-network MOOP:$7,144
Wisconsin Average monthly premium: $66.07 Average
annual drug deductible: $190.58 Average in-network MOOP: $4,485 Average
annualized premiums + in-network MOOP:$5,278
Wyoming Average monthly premium: $45.50 Average
annual drug deductible: $220.00 Average in-network MOOP: $6,700 Average
annualized premiums + in-network MOOP:$7,246
AVERAGE Average monthly premium: $46.91 Average
annual drug deductible: $121.29 Average in-network MOOP: $5,436 Average
annualized premiums + in-network MOOP:$5,998
Allison Bell, ThinkAdvisor's insurance editor,
previously was LifeHealthPro's health insurance editor. She has a bachelor's
degree in economics from Washington University in St. Louis and a master's
degree in journalism from the Medill School of Journalism at Northwestern
University. She can be reached at abell@alm.com or on Twitter at
@Think_Allison.
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