Most Affordable Cities for Health Insurance (courtesy of eHealthinsurance)

eHealthInsurance ranked the affordability of family health insurance options in the nation's 50 largest cities, as defined by the U.S. Census Bureau. The health insurance plans reviewed are the least expensive option available in each city for a non-smoking family of four, including two parents (ages 35 and 37) and two children (ages 9 and 11). Each plan includes an annual deductible of no more than $2,000 in addition to 20% coinsurance (the amount the policyholder pays for medical services once the deductible is met) Additionally, each health insurance plan reviewed had a maximum per-family out-of-pocket cost of between $4,000 and $10,000 per year.

The survey research for the report was done the week of September 13, 2004, examining 4,000 health insurance plans from 140 health insurance companies in the 50 largest cities in America.

Rank
City
Monthly Premium
(Family of 4)
Cost per Family Member

1

$171.86
$42.87

2

Long Beach, CA
$180.00
$45.00

3

$182.28
$45.57

4 (Tie)

$184.88
$46.22

4 (Tie)

Mesa, AZ
$184.88
$46.22

5 (Tie)

$190.00
$47.50

5 (Tie)

$190.00
$47.50

5 (Tie)

Oakland
$190.00
$47.50

5 (Tie)

Fresno, CA
$190.00
$47.50

5 (Tie)

Sacramento, CA
$190.00
$47.50

6

Omaha, NE
$190.09
$47.52

7

$199.00
$49.75

8

$208.32
$52.08

9

$210.92
$52.73

10

$212.00
$53.00

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