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Small Business Employee Benefits and HR Blog

Average Group Health Insurance Costs by State

As small employers research health insurance coverage options, it is common to Average Group Health Insurance Costs by Stateevaluate different strategies and cost. To help, the following charts list average group health insurance costs by state for single and family coverage.

Editor's Note: This article has been updated with the most current group health insurance data. The article was originally published in January 2013.

Average Group Health Insurance Costs (Single Coverage)

The following chart shows the average cost of group health insurance for single coverage (Kaiser Family Foundation, 2014).

Location

Employee

Employer

Total

United States

$1,234

$4,598

$5,832

Alabama

$1,362

$4,164

$5,526

Alaska

$1,286

$5,813

$7,099

Arizona

$1,096

$4,260

$5,356

Arkansas

$958

$3,888

$4,846

California

$1,129

$4,712

$5,841

Colorado

$1,244

$4,604

$5,848

Connecticut

$1,305

$4,918

$6,223

Delaware

$1,237

$4,908

$6,145

District of Columbia

$1,197

$4,900

$6,097

Florida

$1,394

$4,373

$5,767

Georgia

$1,203

$4,367

$5,570

Hawaii

$460

$4,856

$5,316

Idaho

$1,039

$3,939

$4,978

Illinois

$1,306

$4,820

$6,126

Indiana

$1,347

$4,694

$6,041

Iowa

$1,353

$4,204

$5,557

Kansas

$1,072

$4,293

$5,365

Kentucky

$1,314

$4,600

$5,914

Louisiana

$1,302

$4,398

$5,700

Maine

$1,176

$4,727

$5,903

Maryland

$1,422

$4,637

$6,059

Massachusetts

$1,588

$4,760

$6,348

Michigan

$1,315

$4,295

$5,610

Minnesota

$1,217

$4,615

$5,832

Mississippi

$1,154

$4,289

$5,443

Missouri

$1,243

$4,274

$5,517

Montana

$1,024

$4,852

$5,876

Nebraska

$1,322

$4,235

$5,557

Nevada

$1,204

$4,222

$5,426

New Hampshire

$1,481

$4,855

$6,336

New Jersey

$1,293

$5,154

$6,447

New Mexico

$1,354

$4,371

$5,725

New York

$1,223

$5,084

$6,307

North Carolina

$1,151

$4,442

$5,593

North Dakota

$1,136

$4,385

$5,521

Ohio

$1,260

$4,670

$5,930

Oklahoma

$1,154

$4,495

$5,649

Oregon

$914

$4,793

$5,707

Pennsylvania

$1,141

$4,747

$5,888

Rhode Island

$1,459

$4,697

$6,156

South Carolina

$1,332

$4,518

$5,850

South Dakota

$1,213

$4,646

$5,859

Tennessee

$1,409

$3,901

$5,310

Texas

$1,211

$4,529

$5,740

Utah

$1,297

$4,241

$5,538

Vermont

$1,281

$4,899

$6,180

Virginia

$1,296

$4,126

$5,422

Washington

$937

$4,973

$5,910

West Virginia

$1,297

$4,852

$6,149

Wisconsin

$1,257

$4,611

$5,868

Wyoming

$1,139

$4,701

$5,840

Source: Kaiser Family Foundation

Average Group Health Insurance Costs (Family Coverage)

The following chart shows the average cost of group health insurance for family coverage (Kaiser Family Foundation, 2014).

Location

Employer

Employee

Total

United States

$12,137

$4,518

$16,655

Alabama

$10,074

$4,278

$14,352

Alaska

$15,484

$4,229

$19,713

Arizona

$10,794

$4,741

$15,535

Arkansas

$10,534

$3,609

$14,143

California

$12,489

$4,955

$17,444

Colorado

$11,430

$4,502

$15,932

Connecticut

$14,096

$4,027

$18,123

Delaware

$13,305

$4,209

$17,514

District of Columbia

$12,715

$4,324

$17,039

Florida

$10,700

$5,215

$15,915

Georgia

$11,761

$4,448

$16,209

Hawaii

$11,621

$3,227

$14,848

Idaho

$10,282

$4,447

$14,729

Illinois

$12,443

$4,750

$17,193

Indiana

$12,747

$4,476

$17,223

Iowa

$11,672

$4,227

$15,899

Kansas

$11,543

$4,109

$15,652

Kentucky

$12,452

$4,259

$16,711

Louisiana

$10,874

$5,054

$15,928

Maine

$12,420

$4,094

$16,514

Maryland

$12,011

$5,221

$17,232

Massachusetts

$12,868

$4,834

$17,702

Michigan

$11,750

$3,858

$15,608

Minnesota

$12,191

$4,170

$16,361

Mississippi

$10,414

$4,678

$15,092

Missouri

$11,621

$3,872

$15,493

Montana

$10,725

$4,280

$15,005

Nebraska

$11,754

$4,385

$16,139

Nevada

$11,940

$4,212

$16,152

New Hampshire

$13,227

$4,899

$18,126

New Jersey

$14,833

$4,310

$19,143

New Mexico

$11,211

$4,555

$15,766

New York

$13,237

$4,159

$17,396

North Carolina

$11,563

$4,647

$16,210

North Dakota

$11,461

$3,985

$15,446

Ohio

$12,402

$3,572

$15,974

Oklahoma

$11,671

$4,609

$16,280

Oregon

$11,775

$4,555

$16,330

Pennsylvania

$12,730

$3,598

$16,328

Rhode Island

$11,738

$4,681

$16,419

South Carolina

$11,934

$4,110

$16,044

South Dakota

$11,622

$4,730

$16,352

Tennessee

$10,746

$5,255

$16,001

Texas

$11,623

$5,344

$16,967

Utah

$11,321

$4,642

$15,963

Vermont

$12,443

$4,216

$16,659

Virginia

$11,312

$5,289

$16,601

Washington

$12,940

$4,505

$17,445

West Virginia

$13,214

$4,219

$17,433

Wisconsin

$13,418

$3,791

$17,209

Wyoming

$12,023

$4,276

$16,299

Source: Kaiser Family Foundation

Conclusion

Nationwide, the cost of group health insurance coverage in 2014 totaled $5,832 for single coverage and $16,655 for family coverage. Of course, the exact amount your small business will pay for health insurance will depend few factors, including state and region. For a detailed health insurance quote, contact a licensed broker. To learn more about small business health insurance options, click on these additional resources:

The Comprehensive Guide to the Small Business HRA

Where does your state stand? Questions about the average cost of health insurance in your state? Leave a comment or question below.

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