Ilovebenefits’s Blog

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Health Insurance Offer Rates

Editor’s note: Wonder what the comparable rates are for things like auto insurance or mortgage applications. Wonder what the reasons for denial are? Is it always health related? Is it based on ability to pay the premium? Is it that they are not citizens…

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Individual Market, Analysis of Offer Rates by Percent of Applicants

 

Age of Individual Applicant Medically Underwritten Denials Offered
Under 18 100% 4.8% 95.2%
18-24 100% 10.0% 90.0%
25-29 100% 12.2% 87.8%
30-34 100% 11.7% 88.3%
35-39 100% 12.8% 87.2%
40-44 100% 14.1% 85.9%
45-49 100% 16.4% 83.6%
50-54 100% 19.6% 80.4%
55-59 100% 24.0% 76.0%
60-64 100% 29.2% 70.8%
All Age Groups (non-elderly)   12.7% 87.3%

 

Source: American’s Health Insurance Plans (AHIP), Individual Health Insurance 2009: A Comprehensive Survey of Premiums, Availability, and Benefits. October 2009. http://www.ahipresearch.org/pdfs/2009IndividualMarketSurveyFinalReport.pdf

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October 28, 2009 - Posted by | healthcare | , , ,

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