Table A1: Market Concentration and Number of Carriers for the Individual Health Insurance Market, by State
| State | Number of Carriers in Sample | Largest Carrier (by market share, as a % of premiums) | Market Share - Largest Carrier | Market Share - Top 3 Carriers |
|---|---|---|---|---|
| High Market Concentration (80% or More of Market Share by Largest C rrier) | ||||
| Alabama | 5 | BCBS of Alabama | 88.67% | 95.03% |
| Iowa | 5 | Wellmark, Inc. | 83.23% | 91.65% |
| North Carolina | 6 | BCBS of North Carolina | 82.85% | 89.86% |
| Rhode Island | 5 | BCBS of Rhode Island | 94.71% | 98.48% |
| Medium Market Concentration (50- <80% of Market Share by Largest Carrier) | ||||
| Arkansas | 6 | USAble Mutual Insurance Co. (Arkansas BCBS) | 79.07% | 91.21% |
| District of Columbia | 8 | Group Hospitalization and Med. Svc. (CareFirst, Inc.) | 51.06% | 78.02% |
| Illinois | 10 | Health Care Service Corporation | 65.77% | 78.17% |
| Indiana | 10 | Anthem Insurance Companies, Inc. (WellPoint) | 53.57% | 78.47% |
| Kentucky | 5 | Anthem Health Plans of Kentucky (WellPoint) | 79.11% | 95.92% |
| Michigan | 11 | BCBS of Michigan | 53.68% | 73.78% |
| Minnesota | 7 | BCBS of Minnesota | 62.68% | 84.37% |
| Nebraska | 6 | BCBS of Nebraska | 65.56% | 87.02% |
| New Jersey | 8 | Horizon Healthcare Services, Inc. (BCBS of NJ) | 54.86% | 80.10% |
| Oklahoma | 9 | Health Care Service Corporation | 58.64% | 75.91% |
| Virginia | 7 | Anthem Health Plans of Virginia (WellPoint) | 74.73% | 86.05% |
| Low Market Concentration (<50% of Market Share by Largest Carrier) | ||||
| California** | 9 | Anthem Blue Cross (WellPoint)* | 48.22% | 82.13% |
| Colorado | 12 | Rocky Mountain Hosp. and Med. Serv., Inc (WellPoint) | 32.01% | 52.62% |
| Connecticut | 8 | Anthem Health Plans, Inc. (WellPoint) | 48.54% | 84.17% |
| Delaware | 9 | Highmark BCBS of Delaware | 46.85% | 82.10% |
| Florida | 11 | BCBS of Florida | 49.20% | 70.02% |
| Kansas | 9 | BCBS of Kansas | 43.76% | 75.56% |
| Maine | 5 | Anthem Health Plans of Maine (WellPoint) | 44.86% | 92.45% |
| Nevada | 10 | Rocky Mountain Hosp. and Med. Serv., Inc. (WellPoint) | 33.57% | 67.81% |
| New York | 15 | Empire HealthChoice HMO (WellPoint) | 17.08% | 43.81% |
| Oregon | 9 | Regence BCBS of Oregon | 35.28% | 64.82% |
| Pennsylvania | 15 | Highmark, Inc. | 31.59% | 55.15% |
| Tennessee | 7 | TRH Health Insurance Group | 36.69% | 79.77% |
| Washington | 11 | LifeWise Health Plan (Premera Blue Cross) | 33.80% | 83.04% |
| Wisconsin | 14 | Wisconsin Physician Services Ins. Corp. | 18.43% | 46.14% |
Table A2: Market Concentration and Number of Carriers for the Small Group Health Insurance Market, by State
| State | Number of licensed carriers | Largest Carrier (by market share, as a % of premiums) | Market Share - Largest Carrier | Market Share - Top 3 Carriers |
|---|---|---|---|---|
| High Market Concentration (80% or More of Market Share by Largest Carrier) | ||||
| Alabama | 5 | BCBS of Alabama | 97.21% | 99.58% |
| Medium Market Concentration (50- <80% of Market Share by Largest Carrier) | ||||
| Delaware | 5 | Highmark BCBS of Delaware | 57.11% | 87.31% |
| Illinois | 10 | Healthcare Service Corporation | 54.29% | 75.64% |
| Iowa | 10 | Wellmark, Inc. | 51.77% | 77.16% |
| Kansas | 10 | BCBS of Kansas | 59.23% | 74.83% |
| Kentucky | 5 | Anthem Health Plans of Kentucky (WellPoint) | 71.77% | 93.57% |
| North Carolina | 7 | BCBS of North Carolina | 63.33% | 87.68% |
| Oklahoma | 8 | HealthCare Services Insurance Corp. | 51.76% | 73.29% |
| Rhode Island | 5 | BCBS of Rhode Island | 73.75% | 98.16% |
| Tennessee | 7 | BCBS of Tennessee | 69.37% | 84.82% |
| Low Market Concentration (<50% of Market Share by Largest Carrier) | ||||
| California** | 12 | Kaiser Foundation Health Plan | 25.51% | 55.79% |
| Colorado | 8 | UnitedHealthcare Ins. Co. | 29.23% | 77.37% |
| Connecticut | 7 | Anthem Health Plans,Inc. (WellPoint) | 31.00% | 70.31% |
| District of Columbia | 8 | Group Hosp. and Med. Serv., Inc. (CareFirst) | 47.04% | 86.91% |
| Florida | 12 | UnitedHealthcare Ins. Co. | 27.42% | 67.97% |
| Maine | 6 | Anthem Health Plans of Maine (WellPoint) | 49.88% | 91.11% |
| Michigan | 14 | BCBS of Michigan | 38.18% | 70.91% |
| Minnesota | 8 | BCBS of Minnesota | 36.40% | 82.39% |
| Nebraska | 9 | BCBS of Nebraska | 43.07% | 80.98% |
| Nevada | 14 | Rocky Mountain Hosp. and Med. Serv., Inc. (WellPoint) | 23.38% | 56.98% |
| New Jersey | 8 | Horizon Healthcare (BCBS of New Jersey) | 31.00% | 69.76% |
| New York | 15 | Oxford Health Insurance (UnitedHealth) | 22.91% | 49.18% |
| Oregon | 8 | Regence BCBS of Oregon | 21.41% | 60.31% |
| Pennsylvania | 11 | HM Health Ins. Co. (Highmark) | 19.30% | 44.09% |
| Virginia | 13 | Anthem Health Plans of Virginia (WellPoint) | 32.58% | 59.38% |
| Washington | 11 | Premera Blue Cross | 33.15% | 68.39% |
| Wisconsin | 21 | UnitedHealthcare Ins. Co. | 26.85% | 46.09% |
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