Last year was the first year in which the Affordable Care Act's (ACA's) new health insurance exchanges were operating.  Starting in 2014, almost all Americans must now have health insurance or face a tax penalty.

Premiums varied widely.  Today's map shows the 10 most expensive health insurance markets for 2014.  Citizens can purchase a variety of plans from different private insurers.  The standard for comparison looks at Silver plans for a 40 year old non-smoker.  In 2014, the average monthly health insurance premium for a Silver plan for a non-smoking, 40 year old adult was $328/month.  Rates were lowest in 2014 in Minnesota and highest in western Colorado.

So, are there any patterns to markets with high or low premiums?  Yes.

*Some fairly wealthy areas such as western Connecticut and western Colorado have relatively healthy people but appear to be paying more.  Why?  I guess because insurers feel the markets in these areas can bear higher premiums.  That is just a guess.

*Other areas are a) remote with limited medical providers, b) are in areas where Americans are in fairly poor health, or c) both.  Georgia has the dubious honor of having 2 of the 10 most expensive markets in the country AND having the greatest disparities of any state between the high costs around Albany, GA, compared to the relatively lower costs in the Atlanta market.  Wyoming, northern Nevada, western Wisconsin, Alaska, and coastal Mississippi all have issues with few providers and/or sick populations.

*Vermont ranks in the 10 most expensive because of a policy in that state.  Unlike in other states which have opted to allow insurers to charge older residents more than younger people, Vermont law requires insurers to charge everyone regardless of age the same premium for the same plan.  As a result insurers increased premiums across the board in Vermont.

The new 2015 premiums came out in mid-November and there are relatively big fluctuations in premiums.  Minnesotans will be paying more.  Mississippians will pay less.  Overall prices nationally are either slightly down or steady after years of rapidly rising premiums.  The geography of premiums, however, continues to be sorted out as insurers and their actuaries figure out if they are charging enough to cover the health issues of their populations AND make a profit (since the Republican-invented ACA model relies on government subsidies and private insurance companies rather than the single-payer Democratic alternative).  It will likely be at least 3 years (circa 2017) before we can see more stable premium data as the system finds its groove.

Vacant Homes

The Great Recession starting in 2008 hit the housing industry hard.  New constructions plummeted.  Foreclosures skyrocketed.  Displaced former owners moved into rental property.

This map shows a snapshot from the 2010 Census of the percentage of vacant properties in each state.  So, I'm not sure how much of this pattern results from the Great Recession.  California and Nevada for instance had a large number of foreclosed properties, but the percentages of vacant housing are low there for 2010.

After looking at the Census definitions, I think this pattern is driven largely by vacation homes which are absent during parts of the year.  Note that more than a fifth of housing units are vacant in Vermont and Maine.  I suspect that beach and winter vacation homes in Florida, Myrtle Beach (SC), and Rehoboth Beach (DE) as well as summer homes in New England, Montana, and Alaska produce this pattern.  I once visited Skagway, Alaska.  I recall being told that the town had over 1000 residents in the summer but only about 100 through the winter.

The Typical American, More on Age

If you are 37, then you are the same age as the Typical American.  In fact, the mean age among Americans in 2012 was 37.4 and the median age was 37.4 too.  The median age has been creeping up as the large Baby Boomer cohort ages. In 2007 for instance the median age was 35.

In only one state is the median age under 30:  Utah.  In seven states the median age is now over 40:  Maine, West Virginia, , Pennsylvania, Connecticut, Vermont, New Hampshire and Florida.  West Virginia likely has an older population because of a large out-migration of younger people to other states for jobs.  Florida on the other hand reflects the opposite:  a large in-migration of retirees.  Only five years earlier in 2007, there were NO states where the median age was over 40.