Health Insurance  Carrier Providers in USA genworth finance  2023


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 Health Insurance

Health insurance provides coverage for medical expenses, including doctor visits, hospital stays, prescription drugs, and preventive care. It can be obtained through private insurance companies or government programs like Medicare and Medicaid.

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“Demystifying Health Insurance: A Key to Achieving Optimal Health”

Introduction:

In this era of skyrocketing medical costs, health insurance has become a vital tool for individuals and families looking to protect their physical and financial well-being. While the topic of health insurance may seem daunting at first, understanding its importance and how to navigate the intricate world of insurance plans can significantly contribute to a healthier and stress-free life. In this blog post, we will unravel the complexities of health insurance, highlighting its benefits and shed light on the different aspects one must consider while choosing the right policy.techinfo365.in


1. The Vital Link between Health Insurance and Well-being:

From routine check-ups to unexpected medical emergencies, health insurance acts as a safety net, ensuring that individuals have access to necessary medical services without incurring exorbitant debts. We explore the reasons why health insurance should be a top priority in any individual’s financial planning and show how it can provide peace of mind and better health outcomes.(techinfo365.in)


2. Understanding the ABCs of Health Insurance:

Deciphering health insurance terminology can feel like learning a new language. We simplify the key terms such as premiums, deductibles, co-pays, and out-of-pocket maximums, giving readers the confidence to make informed decisions about their health coverage. Being familiar with these concepts empowers individuals to choose plans tailored to their specific needs.(techinfo365.in)


3. Navigating the Insurance Maze: Choosing the Best Policy for You:

With a plethora of health insurance options available, finding the right plan can seem overwhelming. We explore the different types of health insurance policies such as employer-sponsored plans, individual plans, and government programs, presenting the benefits and considerations related to each. By understanding the nuances of these options, readers are better equipped to select the most suitable coverage for their unique situations.(techinfo365.in)


4. Benefits Beyond Hospitalization: Unearthing the Hidden Gems of Health Insurance:

Health insurance not only covers hospitalization costs but also offers an array of benefits often overlooked by individuals. We explore lesser-known perks such as preventive care, mental health services, prescription drug coverage, and wellness programs. Understanding the full spectrum of coverage encourages individuals to take advantage of these services, leading to a healthier lifestyle.(techinfo365.in)


5. Health Insurance 101: Tips to Maximize Your Coverage:

Once readers have secured health insurance, it’s essential that they fully utilize the benefits to get the most out of their policy. We provide practical tips on how to save on prescription medications, leverage preventive care services, and navigate the claims process efficiently. By implementing these strategies, individuals can optimize their coverage and maintain their health while minimizing out-of-pocket expenses.(techinfo365.in)


Conclusion:

Health insurance represents a powerful tool in an individual’s quest for optimal health. While the topic may seem complex, taking the time to understand the nuances of health insurance can be profoundly rewarding in terms of financial security and peace of mind. By considering the benefits, decoding the terminology, selecting suitable policies, and maximizing coverage, individuals can truly harness the power of health insurance to lead healthy and fulfilling lives. Remember, health is wealth, and health insurance is an invaluable asset in preserving.(techinfo365.in)



Health Insurance Providers/Companies :-


  • UnitedHealthcare
  • Anthem, Inc
  • Aetna (a CVS Health company)
  • Cigna
  • Humana
  • Kaiser Permanente
  • Molina Healthcare
  • Centene Corporation
  • Oscar Health
  • Health Care Service Corporation (HCSC)
  • Bright Health
  • Molina Healthcare
  • Independence Blue Cross
  • Regence BlueCross BlueShield
  • Blue Cross and Blue Shield Companies.


United Health Care


UnitedHealthcare is a health insurance company and a subsidiary of UnitedHealth Group, one of the largest healthcare companies in the world. UnitedHealth Group operates in the healthcare industry, providing a wide range of healthcare services, including health insurance, pharmacy benefits, healthcare technology, and healthcare management.


UnitedHealthcare is primarily known for its health insurance products and services. It offers a variety of health insurance plans to individuals, employers, and government programs such as Medicare and Medicaid. These insurance plans cover medical expenses, including doctor visits, hospital stays, prescription drugs, and preventive care, depending on the specific plan.
UnitedHealthcare also provides additional services such as wellness programs, telehealth options, and care coordination to help members manage their health and access healthcare services more effectively.


The company’s mission is to improve the health and well-being of individuals and communities by providing access to quality healthcare services and innovative solutions.
(techinfo365.in)


Anthem, Inc.


Description

Elevance Health, Inc. is an American health insurance provider. Prior to June 2022, Elevance Health was named Anthem, Inc. Wikipedia

CEOGail Koziara Boudreaux (20 Nov 2017โ€“)
Revenue15,660 crores USD (2022)
Founded1944
FormerlyAnthem, Inc. (2014โ€“2022)

 is a prominent American healthcare company that operates in the managed healthcare industry. It is one of the largest health insurance companies in the United States. Anthem, Inc. was formerly known as WellPoint, Inc. but changed its name to Anthem in 2014.


Anthem provides a wide range of healthcare-related products and services, including:


Health Insurance: Anthem offers health insurance plans to individuals, families, and employers. These plans can include coverage for medical services, hospital stays, prescription drugs, preventive care, and more.



Anthem, Inc. operates under various brand names in different states, such as Anthem Blue Cross, Anthem Blue Cross and Blue Shield, and Empire BlueCross BlueShield, among others. The company’s mission is to improve the health and well-being of the communities it serves by providing access to quality healthcare services and innovative solutions.(techinfo365.in)


Aetna, 

Aetna Inc. is an American managed health care company that sells traditional and consumer directed health care insurance and related services, such as medical, pharmaceutical, dental, behavioral health, … Wikipedia
Founded1853
Number of employees47,950 (2018)

now a CVS Health company, is a major American health insurance company that provides a wide range of healthcare products and services. CVS Health acquired Aetna in a significant merger that was completed in November 2018, creating a healthcare giant with a focus on delivering integrated and consumer-centric healthcare solutions. Here are some key aspects of Aetna as a CVS Health company:


Health Insurance: Aetna offers a variety of health insurance plans, including individual and family plans, employer-sponsored plans, and government programs like Medicare and Medicaid. These insurance plans cover medical services, prescription drugs, preventive care, and more.


Population Health Management: Aetna focuses on population health management initiatives to help individuals manage chronic conditions, improve their overall health, and reduce healthcare costs. This includes care coordination and programs designed to address specific health needs.(techinfo365.in)


Digital Health and Telemedicine: Aetna has invested in digital health solutions and telemedicine services to offer more accessible and convenient healthcare options to its members, especially important during the COVID-19 pandemic.(techinfo365.in)


The overarching goal of Aetna as part of CVS Health is to transform the healthcare industry by creating a more patient-centered and cost-effective approach to healthcare delivery. The integration of health insurance with pharmacy and retail healthcare services aims to provide a holistic and coordinated healthcare experience for individuals and communities.(techinfo365.in)


Cigna 

The Cigna Group is a for-profit American multinational managed healthcare and insurance company based in Bloomfield, Connecticut. Wikipedia
CEODavid Cordani (25 Dec 2009โ€“)
Number of employees70,231 (2022)
Net income667 crores USD (2022)
Founded1982


is a global health services company headquartered in the United States. It operates in the healthcare and health insurance sectors, providing a wide range of healthcare products and services to individuals, employers, and healthcare providers. Here are some key aspects of Cigna:(techinfo365.in)


Health Insurance: Cigna offers various health insurance plans, including individual and family plans, employer-sponsored plans, and government programs like Medicare and Medicaid. These insurance plans cover medical services, prescription drugs, preventive care, and more.(techinfo365.in)


Global Presence: Cigna has a global footprint and provides health services and insurance in multiple countries, serving millions of customers worldwide. This global reach allows them to offer international health insurance coverage and services.(techinfo365.in)


Cigna’s mission is to improve the health, well-being, and sense of security of its customers. The company aims to achieve this by offering comprehensive health solutions, promoting preventive care, and emphasizing overall health and wellness.(techinfo365.in)


Humana 

Humana Inc. is a for-profit American health insurance company based in Louisville, Kentucky. In 2023, the company ranked 42 on the Fortune 500 list, which made it the highest ranked company based in Kentucky. It is the fourth largest health insurance provider in the U.S. Wikipedia
CEOBruce D. Broussard (1 Jan 2013โ€“)
Number of employees95,500 (December 2021)

Is a leading American health insurance company and healthcare services provider headquartered in Louisville, Kentucky. It operates primarily in the managed healthcare sector, offering a wide range of health insurance plans and related services. Here are some key aspects of Humana:


Health Insurance Plans: Humana provides health insurance plans to individuals, families, and employers. These plans include various options, such as individual and family health coverage, employer-sponsored plans, Medicare Advantage plans, and Medicaid managed care plans.


Medicare Services: Humana is one of the largest providers of Medicare Advantage plans, offering comprehensive Medicare coverage to seniors. They also provide prescription drug plans (Medicare Part D) and other Medicare-related services.


Humana’s mission is to help people achieve lifelong well-being by offering personalized health solutions and promoting healthy living. The company focuses on innovative approaches to healthcare delivery and strives to improve the overall health and satisfaction of its members.


Kaiser Permanente 

Kaiser Permanente is an American integrated managed care consortium, based in Oakland, California, United States, founded in 1945 by industrialist Henry J. Kaiser and physician Sidney Garfield. Wikipedia
Founded1945
Number of employees309,662 employees (including 65,005 nurses and 23,656 physicians as of 2022)

is a prominent integrated healthcare delivery system and health insurance provider based in the United States. It is known for its unique model of care, which combines health insurance and healthcare delivery within a single organization. Here are key aspects of Kaiser Permanente:


Integrated Care: Kaiser Permanente operates as an integrated healthcare system, meaning it provides both health insurance and healthcare services under one roof. This model is designed to promote coordination and collaboration among healthcare providers, leading to more efficient and comprehensive care for its members.


Health Insurance: Kaiser Permanente offers a range of health insurance plans, including individual and family plans, employer-sponsored plans, and government programs like Medicare and Medicaid. These insurance plans cover medical services, preventive care, hospital stays, and more.


Healthcare Facilities: Kaiser Permanente owns and operates a network of hospitals, medical centers, and outpatient facilities across several states in the U.S. It provides a wide range of medical services, including primary care, specialty care, surgery, and emergency care.


Primary Care: The organization places a strong emphasis on primary care and preventive medicine. Members typically have a designated primary care physician (PCP) who coordinates their healthcare and helps them manage their overall well-being.


Health Records and Technology: Kaiser Permanente has invested heavily in electronic health records (EHR) and healthcare technology to improve the delivery of care. This includes tools for secure online communication with healthcare providers, appointment scheduling, and prescription refills.


Kaiser Permanente’s mission is to provide high-quality, affordable healthcare services and promote the health and well-being of its members and communities. Its integrated approach to healthcare aims to simplify the healthcare experience and improve the overall health outcomes of its members.


Molina Healthcare, Inc. 

Molina Healthcare is a managed care company headquartered in Long Beach, California, United States. The company provides health insurance to individuals through government programs such as Medicaid and Medicare. Wikipedia
CEOJoseph M. Zubretsky (6 Nov 2017โ€“)
is a managed care company based in the United States that provides health insurance and healthcare services to eligible individuals and families. Molina specializes in serving low-income and underserved populations, particularly those eligible for government-sponsored healthcare programs like Medicaid and Medicare. Here are key aspects of Molina Healthcare:

Medicaid Managed Care: Molina is well-known for its Medicaid managed care services. It contracts with state governments to provide Medicaid coverage to eligible individuals and families. This includes services such as medical care, hospitalization, prescription drugs, and preventive care for low-income individuals.



Molina Healthcare’s mission is to provide quality healthcare services to underserved populations and improve the health outcomes of its members. The company operates in multiple states across the U.S. and partners with state governments to deliver healthcare services to those in need.

Centene Corporation 

Centene Corporation is a publicly traded managed care company based in St. Louis, Missouri, which is an intermediary for government-sponsored and privately insured healthcare programs. Centene ranked No. 25 on the 2023 Fortune 500. Wikipedia
CEOSarah M. London (22 Mar 2022โ€“)

is a major American healthcare company headquartered in St. Louis, Missouri. It is one of the largest managed care organizations in the United States, specializing in health insurance plans for government-sponsored healthcare programs such as Medicaid, Medicare, and the Health Insurance Marketplace (Exchange). Here are key aspects of Centene Corporation:

Medicaid Managed Care: Centene is a prominent provider of Medicaid managed care services. It partners with state governments to administer Medicaid programs and provide healthcare coverage to eligible low-income individuals and families. This includes services such as medical care, prescription drugs, dental care, and behavioral health services.


Health Insurance Marketplace (Exchange): Centene participates in the Health Insurance Marketplace created under the Affordable Care Act (ACA). It offers qualified health plans (QHPs) to individuals and families who purchase health insurance coverage through the Exchange.


Centene’s mission is to improve the health and well-being of the communities it serves, particularly those in underserved and low-income populations. The company operates in multiple states across the U.S. and partners with state governments to deliver healthcare services efficiently and effectively to its members.

Oscar Health,

Oscar Health, Inc. is an American health insurance company, founded in 2012 by Joshua Kushner, Kevin Nazemi and Mario Schlosser, and is headquartered in New York City. Wikipedia
CEOMark Bertolini (3 Apr 2023โ€“)
Revenue271 crores USD (2021)
Founded1 November 2012
Number of employees2,621 (2021)

 officially known as Oscar Health, Inc., is a technology-driven health insurance company based in the United States. Founded in 2012, Oscar Health was established with the goal of making health insurance more accessible, transparent, and consumer-friendly through the use of technology and data-driven approaches. Here are key aspects of Oscar Health:

Health Insurance Plans: Oscar Health offers a range of health insurance plans, primarily in the individual and family market and the small business market. These plans provide coverage for medical services, prescription drugs, preventive care, and more.

Telehealth Services: Oscar Health has a strong focus on telehealth services, enabling members to have virtual doctor visits and consultations, especially relevant during the COVID-19 pandemic. They emphasize convenient access to care.

Oscar Health’s mission is to make healthcare simple and accessible by using technology and data to create a more consumer-centric health insurance experience. The company operates in several states across the U.S. and continues to expand its footprint in the health insurance market.

Health Care Service Corporation (HCSC) 

Health Care Service Corporation is a member-owned health insurance company in the United States. HCSC was formerly known as Hospital Service Corporation and changed its name to Health Care Service Corporation in 1975. Wikipedia
Number of employees23,000 (More than)
Type of businessMutual Legal Reserve Company
Founded1936
CEOMaurice Smith (1 Jun 2020โ€“)
SVPsOpella Ernest (HCSC Operations), MORE

is the largest customer-owned health insurance company in the United States and is one of the largest health insurers overall. HCSC operates as a mutual legal reserve company, which means it is owned by its policyholders rather than by shareholders. HCSC is a member-owned organization that operates several Blue Cross and Blue Shield (BCBS) health insurance plans in different states. Here are key aspects of Health Care Service Corporation (HCSC):

Blue Cross and Blue Shield Plans: HCSC operates Blue Cross and Blue Shield health insurance plans in several states, including Illinois, Texas, Montana, New Mexico, and Oklahoma. These plans offer a range of health insurance options, including individual and family plans, employer-sponsored plans, and government programs like Medicare and Medicaid.

Medicaid Managed Care: HCSC provides Medicaid managed care services in several states, working with state governments to administer Medicaid programs and provide healthcare coverage to low-income individuals and families.

Medicare Advantage: HCSC offers Medicare Advantage plans, which are private health insurance plans that provide Medicare benefits to seniors. These plans may include additional benefits beyond what Original Medicare provides, such as prescription drug coverage and wellness programs.



HCSC’s mission is to provide affordable, accessible, and high-quality healthcare coverage and services to its members while promoting the health and well-being of the communities it serves. As a member-owned organization, it operates with a focus on the best interests of its policyholders.


Bright Health

Bright Health is an American health insurance company based in Minneapolis, Minnesota. Wikipedia
CEOGeorge Lawrence Mikan III (30 Apr 2020โ€“)
Revenue40 crores USD (2019)
Founded2016

 is a health insurance and healthcare company operating in the United States. It is known for its focus on offering individual and family health insurance plans and Medicare Advantage plans with an emphasis on integrating care and technology to improve the healthcare experience. Here are key aspects of Bright Health:

Health Insurance Plans: Bright Health offers a range of health insurance plans, including individual and family plans, Medicare Advantage plans, and employer-sponsored plans. These plans typically include coverage for medical services, prescription drugs, preventive care, and more.


Bright Health’s mission is to provide affordable, high-quality healthcare options that improve access to care, lower costs, and enhance the overall health and well-being of its members. The company operates in multiple states across the U.S. and continues to expand its presence in the health insurance market.

Molina Healthcare, Inc.

Molina Healthcare is a managed care company headquartered in Long Beach, California, United States. The company provides health insurance to individuals through government programs such as Medicaid and Medicare. Wikipedia
CEOJoseph M. Zubretsky (6 Nov 2017โ€“)

 is a managed care company based in the United States that specializes in providing health insurance and healthcare services to low-income and underserved populations, particularly those eligible for government-sponsored healthcare programs. Here are key aspects of Molina Healthcare:

Medicaid Managed Care: Molina Healthcare is well-known for its Medicaid managed care services. The company contracts with state governments to administer Medicaid programs and provide healthcare coverage to eligible low-income individuals and families. This includes services such as medical care, prescription drugs, dental care, and behavioral health services.



Molina Healthcare’s mission is to provide quality healthcare services to underserved populations and improve the health outcomes of its members. The company operates in multiple states across the U.S. and partners with state governments to deliver healthcare services efficiently and effectively.


Independence Blue Cross (IBC) 

Independence Blue Cross is a health insurer based in Philadelphia, Pennsylvania, in the United States. Independence is the largest health insurer in the Philadelphia area, serving people in the region and seven million nationwide. Wikipedia
Founded1938

prominent health insurance company based in Pennsylvania. Philadelphia,  It is one of the largest health insurers in the Philadelphia region and serves millions of members across southeastern Pennsylvania, southern New Jersey, and northern Delaware. Here are key aspects of Independence Blue Cross:

Health Insurance Plans: Independence Blue Cross offers a wide range of health insurance plans, including individual and family plans, employer-sponsored plans, Medicare Advantage plans, and Medicaid managed care plans. These plans typically cover medical services, hospitalization, prescription drugs, preventive care, and more.


Independence Blue Cross’s mission is to improve the health and well-being of the communities it serves by providing access to high-quality healthcare services and innovative solutions. It operates in a region with a rich history and plays a significant role in the healthcare landscape of the Greater Philadelphia area.


Regence BlueCross BlueShield

 is a group of nonprofit health insurance companies operating in the Pacific Northwest region of the United States. It is part of the larger Blue Cross Blue Shield Association, which is a network of independently operated health insurance providers that collectively serve millions of Americans. Here are key aspects of Regence BlueCross BlueShield:

Health Insurance Plans: Regence offers a range of health insurance plans, including individual and family plans, employer-sponsored plans, and government programs such as Medicare Advantage and Medicaid managed care plans. These plans cover various healthcare services, including medical care, hospitalization, prescription drugs, preventive care, and more.



Regence BlueCross BlueShield’s mission is to provide access to high-quality healthcare and support the health and well-being of its members and communities in the Pacific Northwest. It operates in several states, including Washington, Oregon, Idaho, and Utah, and plays a significant role in the healthcare landscape of the region.

Blue Cross and Blue Shield (BCBS)

Blue Cross Blue Shield Association is a federation, or supraorganization, of, in 2022, 34 independent and locally operated BCBSA companies that provide health insurance in the United States to more than 115 million people. Wikipedia
CEOKim A. Keck (4 Jan 2021โ€“)
Founded1929
Coordinates41ยฐ53โ€ฒ11โ€ณN 87ยฐ37โ€ฒ26โ€ณW๏ปฟ / ๏ปฟ41.8864516ยฐN 87.6239771ยฐW
 companies are a group of independent, community-based health insurance companies that collectively form the Blue Cross Blue Shield Association (BCBSA). BCBS companies operate in the United States, providing health insurance coverage and related services to millions of Americans. Here are key aspects of BCBS companies:

Independence: Each BCBS company operates independently and is locally governed. This means that there are multiple BCBS companies across the United States, each serving specific geographic regions. These companies tailor their services to meet the unique healthcare needs of their respective communities.

National Network: While BCBS companies operate independently, they are part of the larger Blue Cross Blue Shield Association (BCBSA), which is a network of independent companies. This network allows BCBS members to access healthcare services and providers across the country through the Blue Cross Blue Shield network, providing national coverage and flexibility.

Health Insurance Plans: BCBS companies offer a wide range of health insurance plans, including individual and family plans, employer-sponsored plans, Medicare Advantage plans, and Medicaid managed care plans. These plans typically cover medical services, hospitalization, prescription drugs, preventive care, and more.

While each BCBS company operates independently, they all share a commitment to providing access to high-quality healthcare and improving the health and well-being of their members and communities. The BCBS network is one of the most recognizable and trusted names in health insurance in the United States.

Genworth Finance

While not covered in the previous sections, it’s essential to mention Genworth Finance as a notable player in the health insurance industry. Genworth Financial, Inc., provides various insurance and financial services, including long-term care insurance. Long-term care insurance can be a crucial component of financial planning, especially for those concerned about the costs of extended healthcare services in later stages of life.
Genworth offers a range of long-term care insurance solutions designed to help individuals and families prepare for potential future healthcare needs. These policies can provide coverage for services like in-home care, assisted living, and nursing home care. Exploring options from companies like Genworth can be a prudent step in securing comprehensive healthcare coverage for all stages of life.

Remember that the landscape of health insurance is vast and ever-evolving. It’s essential to thoroughly research and compare the offerings of different health insurance carriers to find the plan that best suits your unique needs and circumstances. Your choice of health insurance provider can have a significant impact on your overall well-being and financial security.
When selecting a health insurance carrier in the USA, consider factors such as the range of services covered, network of healthcare providers, customer service, and cost. Each of the providers mentioned in this article has its strengths and may be a suitable choice depending on your specific requirements.

By staying informed and making well-informed decisions, you can navigate the complex world of health insurance more effectively and make choices that promote your optimal health and financial stability. Your health is a valuable asset, and the right health insurance carrier can help you protect it.

Techinfo365.in

If you have further questions or need additional information about health insurance carrier providers in the USA or related topics, please don’t hesitate to reach out to us at Techinfo365.in. We are dedicated to providing you with the latest insights and guidance to help you make informed decisions about your health and insurance needs. Your well-being is our priority, and we’re here to assist you on your journey to optimal health and financial security.





FAQ:-



Q1. How Many Types Of Insurance In USA?
1. Ans. Health Insurance
2. Auto Insurance
3. Homeowners Insurance
4. Renters Insurance
5. Life Insurance
6. Disability Insurance
7. Long-Term Care Insurance
8. Business Insurance
9. Umbrella Insurance
10. Boat and Watercraft Insurance
11. Flood Insurance
12. Earthquake Insurance
13. Pet Insurance
14. Travel Insurance
15. Cyber Insurance

Q2. Which is best health insurance company in USA?
Ans. Kaiser Permanente is the top-rated health insurance company in the U.S., according to available state data from the National Committee for Quality Assurance (NCQA). Good insurance companies include Blue Cross Blue Shield, UnitedHealthcare, Humana, Aetna and Cigna.

Q3. Who is largest health insurer in US?
Ans. 50 Largest Health Insurance Companies in the U.S. Overall

Q4. How many health insurance are in USA?
Ans. The number of people with health insurance in the U.S. was over 300 million in 2021, about 92 percent of the population. The health system in the country is a mix of both public and private insurers, but private is the main form of health insurance coverage among the U.S. population.

Q5. Is health insurance Compulsory in USA?
Ans. Health insurance is not mandatory at the federal level. Some states may impose a tax penalty if you do not have health insurance, but the federal government no longer does that.

Q6. Can I Trust Techinfo365.in?
Ans. Absolutely Yes. Of course.

Q7. Is healthcare affordable in the US?
Ans. The United States has one of the highest costs of healthcare in the world. In 2021, U.S. healthcare spending reached $4.3 trillion, which averages to about $12,900 per person. By comparison, the average cost of healthcare per person in other wealthy countries is only about half as much.

Q8. Do Americans pay health tax?

Ans. Americans pay the world’s highest health-related taxes. Yet many perceive that US health care financing system is predominantly private, in contrast to the universal tax-funded health care systems in nations such as Canada, France, or the United Kingdom.

Q9. What US state has the cheapest healthcare?
Ans.These five states pay the least for healthcare on average as of the second quarter of 2022, according to the Missouri Economic Research and Information Center:
โ€ข Kentucky (20.9% cheaper than the national average)
โ€ข Arkansas (18.8% cheaper)
โ€ข Maryland (11.9% cheaper)
โ€ข Alabama (10.4% cheaper)
โ€ข Tennessee (10.1% cheaper)


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