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AHRQ News and Numbers
Release date: May 10, 2005
Nationwide, the total number of people under age 65 who held individual health insurance policies declined more than 14 percent from 6.9 million in 1996 to 6 million in 2002, according to the Federal Agency for Healthcare Research and Quality.
Individual, or non-group, health insurance is coverage that people buy directly from health insurers when they are not eligible for employer-based private health insurance or public health insurance such as Medicaid.
- Between 1996 and 2002, the average premium for a single policy increased by 52 percent from $1,665 to $2,531.
- The average premium for a family policy increased by 33 percent from $3,329 to $4,442.
- Premiums also varied by the age of the policyholder. In 2002, average premiums for single coverage were:
- $1,661 for purchasers younger than 40
- $2,767 for purchasers 40 to 54
- $3,703 for purchasers 55 to 64
For a copy of this study, Premiums in the Individual Health Insurance Market for Policyholders under Age 65, 1996 and 2002, visit http://www.meps.ahrq.gov/mepsweb/data_files/publications/st72/stat72.pdf [PDF Help].