September 2, 2015 09:00ET

Study Maps Double-Digit Obamacare Hikes on the Federal Exchange

100 Percent of Products in Delaware, South Dakota and West Virginia Propose Double-Digit Increases for 2016

MOUNTAIN VIEW, CA-- Today released a new study highlighting differences in 2016 Obamacare rate hike requests among states using the federal health insurance exchange, The analysis, based on government data, reveals which states have the highest proposed rate increases and which states have the highest percentage of double-digit rate increases.

The top 10 states with the largest rate hikes requested for a single Obamacare product ranged from 71 percent to 38 percent. Alabama (71 percent), New Mexico (65 percent), Pennsylvania (58 percent), New Hampshire (51 percent) and Utah (47 percent) comprise the top five in this category.

Delaware, South Dakota and West Virginia top the list of states where insurers requested double-digit rate hikes on Obamacare products. Insurers in those states requested double-digit rate hikes on 100 percent of Obamacare products, followed by Montana (86 percent) and Utah (83 percent).

"As the Obamacare enrollment period again approaches, consumers will be comparing health plans, and many will find the new 2016 Obamacare premiums to be unaffordable," said Bruce Telkamp, CEO of "Consumer price sensitivity and the broad adoption of the Internet as a primary way to shop for health insurance bode well for the continued expansion of the term health insurance market."

It is important for consumers to understand that term health insurance represents a distinct category of health insurance coverage and has unique characteristics differentiating it from Obamacare plans. Consumers apply and, depending on their health status (including pre-existing conditions), they may or may not be eligible for specific plans. Additionally, with term health insurance, some consumers may be subject to the Obamacare tax while others may receive an exemption. For many, the combined cost of term health insurance and the Obamacare tax is still less than unsubsidized Obamacare premiums.

The new study on rate hikes combined with recent research regarding premium and deductible dissatisfaction among Obamacare enrollees may result in even greater demand for term health insurance moving forward. As one example, term health insurance premiums for 30-year-olds are over 70 percent less expensive on average than premiums for unsubsidized Obamacare bronze plans. These term health plans are known for very wide provider networks, and enrollment is open throughout the year. provides a free rate comparison tool that allows consumers to review plans, benefits and costs online. They also can enroll online if they find a plan that meets their needs. For more information on Obamacare rate increases state-by-state, read the article on AgileHealthInsurance's Learning Center.

Kevin McVicker,
(703) 739-5920 was launched in 2015 to educate consumers on the availability of private market health insurance products that are alternatives to Affordable Care Act (Obamacare) plans. Today AgileHealthInsurance is the largest distributor of short term medical insurance, providing a fast, online process for purchasing these plans. Short Term Medical Insurance is a flexible and low-cost major medical insurance for individuals without expensive pre-existing health conditions. It is not Obamacare. Short-term health plans offer consumers the flexibility to choose health plans with the benefits that matter most to them and combine these benefits with broad provider networks. Additional information about AgileHealthInsurance can be found at

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