What is the Marketplace in my state?

If you live in South Carolina, you’ll use this website, HealthCare.gov, to apply for coverage, compare plans, and enroll. Specific plans and prices will be available on October 1, 2013, when Marketplace open enrollment begins. Coverage can start as soon as January 1, 2014.

Premiums in South Carolina for a mid-range health insurance plan accessible next week will be $339 a month on average.

That’s according to federal figures released Wednesday ahead of the Oct. 1 launch of the online insurance marketplace created under the federal health care law.

The law requires participating insurers to offer plans within bronze, silver, gold and platinum tiers, with platinum offering the highest benefits.

Premiums amounts will vary widely.

But the agency says a 27-year-old nonsmoker in South Carolina making $25,000 a year would pay $223 monthly on average for the second-lowest health plan within the “silver” level. Federal subsidies would drop out-of-pocket costs to $145.

A family of four with a $50,000 income would pay $809 a month without the tax credit and $282 with it.

If you live in North Carolina, you’ll use this website, HealthCare.gov, to apply for coverage, compare plans, and enroll. Specific plans and prices will be available on October 1, 2013, when Marketplace open enrollment begins. Coverage can start as soon as January 1, 2014.

New estimates show North Carolina residents shopping for health insurance coverage on the state’s federally run online marketplace could pay more and have fewer choices than the national average.

The U.S. Department of Health and Human Services said Wednesday that premiums in North Carolina for a mid-range health insurance plan sold on the health exchange will be $369 a month on average. That will vary based on where a buyer lives and other details.

The average monthly cost for mid-range coverage across 48 states will be $328 when new health insurance markets start in every state next week.

Costs are lower once tax breaks are applied for those eligible. Individuals making less than about $46,000 a year and families of four earning less than $94,000 a year qualify for subsidies.

(Copyright 2013 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed.)

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