Data as of March 2009.

In many states, standardized plans were developed prior to the implementation of the Health Insurance Portability And Protection Act in the small group and/or the individual market. In most states these plans are not an exclusive offering and insurers tend to heavily market other plans.

Deductible, coinsurance, and out-of-pocket maximums are based on published in-network cost sharing requirements. The definition of out-of-pocket maximum often varies plan to plan. For example, it may or may not include deductible and/or co-payments.

Parity may apply to the treatment of some mental illness. See Mental Health Mandate chart for more details.

Data collection and analysis by researchers at the Health Policy Institute, Georgetown University.

NA: Data are not available.

Standardized policies are defined by a state to include a specific set of benefits and cost sharing requirement. Generally, standardized policies make it easier for consumers to comparison shop and prevent insurers from avoiding high-risk individuals by designing and offering benefit packages that are only attractive to healthy individuals.

1. The Cover Florida Plan offers residents limited benefit individual market policies that are subject to some requirements. Cover Florida policies are exempt from some state insurance mandates. Participating companies are required to offer policies on a guaranteed issue basis that include limited coverage. Policies must include limited prescription drug coverage, except this requirement can be satisfied by offering a drug discount card instead of insurance coverage for prescriptions. Insurers are required to offer both a "catastrophic" and "non-catastrophic" option. Catastrophic policies must cover only limited hospital care and urgent care. Non-castrophic polices do not cover inpatient care or urgent care, but must cover preventative care, office visits, outpatient surgery, and mental health benefits. Insurer participation in this program is voluntary, and unlicensed carriers are permitted to participate.
2. Under Massachusetts reform laws, all residents are required to have health insurance that meets Minimum Creditable Coverage (MCC) standards. While insurers are permitted to sell health insurance that does not meet these requirements, all plans offered through the Commonwealth Connector must meet the MCC standards. The Connector selects insurers from those submitting competitive bids.
3. Plans offered through Commonwealth Choice typically are not permitted to impose annual benefit limits, however, young adult plans are permitted to impose a $50,000 annual benefit limit.
4. While MCC requires all individuals to have prescription drug coverage, Young Adult plans offered through Commonwealth Choice are exempted from this requirement. These plans may exclude prescription drug coverage, but may still be considered to meet MCC requirements by the state.
5. Under current regulations maternity care is not included under the requirements of MCC, however, in 2010, new regulations come into force, requiring coverage of maternity care under the MCC standards.