10 as the cheapest health insurance markets in the US

People in most of Minnesota, northwest of Pennsylvania and Tucson, Arizona, find the best bargains of new insurance markets health law: the premiums being half the price or less than what the insurers are loaded in more expensive hotels the country.

The 10 regions with the lowest premiums in the nation are: Salt Lake City, all of Hawaii and eastern Tennessee. This classification is based on the lowest cost plan "silver" plan midrange most consumers decide.

The cheaper cost regions tend to be strong competition between hospitals and physicians, insurers can wangle lower rates. Many doctors work on salary in these regions rather than paid by the procedure, which weakens the financial incentive to perform more procedures.

The health care systems focus on the organization of patient care rather than specialists freelancing each other.

The lowest monthly premium silver in the country is provided in the Minneapolis-St. Paul region where a 40-year-old $ 154 per month for a plan PreferredOne will pay. Beyond the border in Wisconsin, the same level plan - but with another insurer and other doctors and hospitals - costs almost three times more.

The insurers were able to negotiate lower prices with hospitals and doctors in the Twin Cities, as they choose from four main health care systems. Both services Fairview Health, which is headed at the University of Minnesota Medical Center and networked the lowest plan, and Allina Health, the largest system in the Twin Cities and operators of Abbott Northwestern Hospital have taken on the front line with ways to increase efficiency Supply of patients, such as accountability care organizations and physicians to pay salary, said Stephen Parente a health economist at the University of Minnesota.

"Minnesota has had years, if not decades, experience in managed care," he said.

Most counties in Central and North Minnesota also have bonuses that are among the lowest in the nation. Michael Rothman, commissioner of the Department of Commerce, which regulates the Minnesota insurer, said the state would soon be moved to take measures to control the cost, as to limit how much insurers pay attention to other things besides medical attention And annual insurance rates require going through state review.

Several other areas of lower costs, including the Salt Lake City and Hawaii region, also have large hospitals and health care systems that have been at the forefront of comprehensive care in which the rules, methods of payment and bureaucracy are designed to help co-ordinates between GP, ​​specialist and nurses to promote. However, the people who plan to buy cheaper Salt Lake City do not have access to Intermountain Healthcare, the system most respected in the area.

Innovative hospital practices do not guarantee cheap insurance. In Rochester, Minn., Home of Mayo Clinic, in the southeastern part of the state, the raw silver price is $ 305 lower, which is above the national average. Although doctors Mayo are hired and practices of integrated care systems, their rates are higher than in Minneapolis, said Dannette Coleman, an executive on the Medica, the insurance company's plan silver lowest price in this range. Faced with the extensive network of clinics in the Mayo region, "really can not be in this condition in this area if you are at the Mayo Clinic, the health care system is not in your network," he said. Can not respond to an opinion on a request.

In Eastern Tennessee, cheap premiums are remarkable because many residents face chronic health problems. Overweight and smoking are common. "We are the belt buckle stroke," said Kevin Spiegel, president of the Erlanger Health System, which is included in the net less expensive silver plan in Chattanooga. Blue Cross and Blue Shield of Tennessee was able to offer premium silver to the Knoxville and Chattanooga regions - $ 180 per month for 40 years - on deals with a single system of hospitals and doctors cutting each region, said Henry Smith, marketing director Insurance.

"There are competing systems in these two regions versus the price," Smith said. These lower-rate plans are "closer to the network we have at the moment."

Also in West Pennsylvania, Highmark was able to offer 40 low $ 164 in primary school, leaving nine hospitals and over 3,000 doctors who demand higher rates, according to spokeswoman Kristin Ash. Consumers who want a wider network Highmark want to pay 38 percent more than a month.

These competition markets are quite different from those in the south-west of Georgia, the second most important part of the country. BlueCross Blue Shield of Georgia had no choice but to include in its network health system Phoebe Putney, which controls 86 percent of the market. The lowest premium in the Southwest of Georgia is $ 461, two and a half times the rate in Chattanooga.

The 10 least expensive regions were determined by the raw silver lower cost for a person 40 years old. The list is based on the market included rates in federal and state insurance and data collected by the researchers at the Kaiser Family Foundation. (KHN is an editorial independent program of the Foundation.) Cynthia Cox, an analyst at the Foundation, said the plan's most favorable silver costs less than $ 259 a month in the semi-regional insurance markets.

Here are the cheapest areas:

$ 154: Minneapolis-St. Paul. Counties of Anoka, Carver, Dakota, Hennepin, Ramsey, Scott, Sherburne and Washington.

$ 164: Pittsburgh and Northwest Pennsylvania. Allegheny, Armstrong, Beaver, Butler, Crawford, Erie, Fayette, Greene, Indiana, Lawrence, McKean, Mercer, Warren, Washington and West Moreland counties.

$ 166: Middle Minnesota. Benton, Stearns and Wright.

$ 167: Tucson, Pima County Arizona ..

$ 171: Northwestern Minnesota. Clearwater counties, Kittson, Mahnomen, Marshall, Norman, Pennington, Polk and Red Lake.

$ 173: Salt Lake City. Davis counties and Salt Lake.

$ 176: Hawaii.

$ 180. Knoxville, Tennessee Anderson, Blount, Campbell, Claiborne, Cocke, Grainger, Hamblen, Jefferson, Knox, Loudon, Monroe, Morgan, Roane, Scott, Sevier and Union.

$ 180: West and North Central Minnesota. Aitkin, Becker, Beltrami, Big Stone, Cass, Chippewa, Clay, Crow Wing, Douglas Grant Hubbard Isanti Kanabec Kandiyohi Lac qui Parle Lyon McLeod Meeker Mille Lacs Morrison Otter Tail Pine Pope, Renville, Roseau, Sibley, Stevens, Swift, Todd, Traverse, Wadena Wilkin and yellow counties of medicine. Chisago County, the lowest premium is $ 162.

$ 181 :. Chattanooga, Tennessee Bledsoe, Bradley, Franklin, Grundy, Hamilton, Marion, McMinn, Meigs, Polk, Rhea and Sequatchie counties.

The reviews remain the same, regardless of the size and the age of the family. However, Vermont and New York did not allow the insurers to levy more elderly people and less younger. Therefore, some older consumers in these states, they can find their premiums less expensive than the people of the same age in these regions cheaper.

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