Everyone in the country is awaiting the full implementation of the Affordable Care Act in order to find out how it will affect health insurance rates. The Affordable Care Act is supposed to give consumers and businesses more options in the amount of health insurance available and the costs and coverage. However, until the act is fully implemented, individuals and families alike are currently looking for the cheapest health insurance rates they can find but that still cover them for at least the basic needs: doctor visits, dental visits, etc. Some states offer plans that are more costly than others, and other states offer more coverage than other states. State health insurance varies since it is a state-run program rather than a government-run program. Knowing the three states that offer the cheapest health insurance rates may prove useful.

State health insurance rates in Maryland are actually quite reasonable. There are a number of reasons why the health insurance rates in the state of Maryland are affordable while still offering great coverage. The average income in the state is about average or higher than most other states in the country. Add to that the fact that the cost of living is either average or slightly below average, and the cost for health insurance begins to look more reasonable. Also, the Maryland state government is healthy financially, so they are able to provide more in the way of funding for health insurance and have fewer regulations for private insurance companies.

Virginia is another one of the states nearby to Maryland that have very affordable health insurance rates. Many of the southern states offer much in the way of health insurance coverage, more so than other areas of the country, and they are able to maintain reasonable rates. Just like Maryland, Virginia's average income for individuals and families is average or above average, while the cost of living is average or below average, making it easier for individuals to obtain coverage. With a high amount of people obtaining health insurance, providers are able to lower their rates since they have more customers on their plans. Also, Virginia has very reasonable regulations for state insurance providers, allowing the costs to stay low.

Another state that offers low health insurance rates is Utah. This mountain state has a very low and reasonable cost of living which allows its citizens to afford more in the way of health insurance. The Utah state government is also financially stable and regulates the health insurance industry well, allowing providers to offer cheaper plans. With the income for individuals and families staying about average, this also helps both consumers and insurance providers keep costs low.