How much you pay for your health insurance and what it covers depends on where you live.

So found an analysis by U.S. News & World Report of nearly 6,000 health insurance plans sold to individuals and families. The analysis looked at plans in all 50 states and the District of Columbia.

It also ranks the plans from one to five stars based on completeness of coverage in two dozen benefit categories, including hospital stays, outpatient surgery, ER visits and name-brand prescription drugs.

The report found that the majority of plans nationwide require you to pay at least 20 percent of your hospital and doctor fees. That's after you've met your deductible of $2,700 -- the national median.

But the analysis found that health plans coverage and costs can vary widely.

Massachusetts health plans cover most

Massachusetts has the highest premiums in the nation, the report found. However, it also found that health plans in Massachusetts offer the most coverage. Almost half the plans in the state will cover you fully -- once you've satisfied your deductible -- for hospital stays, doctor fees during your stay and any imaging tests.

The median premium for residents of Massachusetts is $528 a month. That's more than double the median premium for the 285 plans listed in Minnesota.

Massachusetts also offers residents with low incomes subsidies to help them pay for their health-care premiums. (Mssachusetts was the blueprint for the health reform law that takes effect in 2014 and mandates that everyone must have health insurance or pay a penalty.)

All 67 plans in Massachusetts were ranked four or five stars because they offered broad coverage and protection against a potential flood of medical bills.

Other states that had a high percentage of four and five star plans were: New York (94 percent), Washington, D.C., (85 percent); Maryland (76 percent), and Virginia (75 percent).

States with fewest health plans

The states that had the lowest percentage of plans ranked four or five stars are: Washington (4 percent), Alaska (10 percent), Wisconsin (15 percent) and South Carolina (19 percent.)

The analysis found that plans could put residents of Minnesota at financial risk. Of the 285 plans in the state, 195 don't cover labor and delivery, 170 don't cover mental health services and 80 lack coverage for specialty drugs. Residents of Minnesota pay a median deductible of $5,000. That's five times as high as in Massachusetts.

If you live in Minnesota and have a preexisting condition, you can be denied coverage. However, that will change when health reform provisions take effect in January 2014.

The analysis, which was done in August, is based on information given to the federal database run by the Centers for Medicare and Medicaid Services.

Along with the analysis, U.S. News launched its Best Health Insurance Plans, an interactive site, where you can search for plans in your state by age, gender, ZIP code, family size and smoking status.