eHealth Highlights Average Premiums and Deductibles for Obamacare Shoppers Not Using Subsidies During the 2016 Open Enrollment Period

Report on eHealth shoppers shows that premiums averaged $321 for
individuals and $833 for families not utilizing government subsidies

MOUNTAIN VIEW, Calif.–(BUSINESS WIRE)–eHealth, Inc. (NASDAQ: EHTH) reported today that consumers shopping for
2016 health insurance plans and not utilizing premium tax credits (often
referred to as Obamacare subsidies) chose health insurance plans with
monthly premiums averaging $321 for individuals and $833 for families.
eHealth operates,
the nation’s first and largest private online health insurance exchange.

The full report is available for download
or through the company’s media

eHealth’s findings are derived from an analysis of plans selected by
more than 70,000 individual and family health insurance shoppers at during the 2016 open enrollment period (November 1, 2015 –
January 31, 2016). Highlights include the following:

  • Monthly premiums averaged $321 for individuals and $833 for families
  • Annual deductibles averaged $4,358 for individuals and $7,983 for
  • The average individual platinum plan ($498 per month) cost 58% more
    than the average bronze plan ($315 per month)
  • Bronze-level plans accounted for 44% of all individual and family
    plans selected; silver: 29%; gold: 12%; platinum: 3%; and
    catastrophic: 12%
  • HMO-style plans accounted for 40% of all individual and family plans
    selected; PPO: 38%; EPO: 16%; and POS: 6%
  • Nearly 40% of eHealth shoppers identified themselves as previously

“eHealth has been tracking cost and selection trends in the individual
and family health insurance market for years,” said the Honorable Ellen
Tauscher, Chairman of the Board for eHealth, Inc. “We’re excited to
continue serving the needs of America’s health insurance consumers and
believe that public/private partnerships can deliver the benefits of the
Affordable Care Act to even more Americans in the years to come.”

eHealth is one of the few organizations with national source health
insurance data that broadly reflects consumer buying patterns and
purchase prices in the self-purchased individual and family health
insurance market. eHealth’s analysis provides insights into the large
segment of the individual and family health insurance market which may
not qualify for or elect to use government subsidies, and which may shop
for coverage through sources other than government exchanges.

Tens of thousands of people used eHealth to apply for tax credits online
in states utilizing as their state’s exchange during the
2016 open enrollment period. However, applications submitted by these
shoppers were excluded from this analysis.

Data presented in eHealth’s report is based solely on rates quoted for
health insurance applications submitted by unsubsidized people through
the company’s website,, in the specified time period and not
through any government exchange. It does not offer a comprehensive view
of costs for all plans available through eHealth, through the market as
a whole, or through government exchanges. Certain applications missing
key data fields relevant for the analysis may have been removed from the
total sample. Specific health insurance plan premiums, deductibles, and
other features may differ significantly from any averages or other
presented statistics. For more information on the methods employed for
the collection and analysis of data, please refer to the methodology
section at the end of the report.


1 Based on a voluntary email survey of eHealth
shoppers from January 1 – March 23, 2016, 37% of respondents said that
they were previously uninsured prior to visiting eHealth. A total of 618
responses were collected in this time period.


eHealth, Inc. (NASDAQ: EHTH) owns, the
nation’s first and largest private health insurance exchange where
individuals, families and small businesses can compare health insurance
products from leading insurers side by side and purchase and enroll in
coverage online. eHealth offers thousands of individual, family and
small business health plans underwritten by many of the nation’s leading
health insurance companies. eHealth (through its subsidiaries) is
licensed to sell health insurance in all 50 states and the District of
Columbia. eHealth also offers educational resources and powerful online
and pharmacy-based tools to help Medicare beneficiaries navigate
Medicare health insurance options, choose the right plan and enroll in
select plans online through (, (
and (

For more health insurance news and information, visit the eHealth
consumer blog: Get
Smart – Get Covered
or visit eHealth’s Consumer
Resource Center


For media inquiries, please contact:
DMA Communications for
eHealth, Inc.
Sande Drew, 916-207-7674
Nate Purpura, 650-210-3115