Effects of Implementing State Insurance Market Reform, 2011-2012. Appendix A: Large Carriers and Market Concentration in Each State

06/07/2013

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%

 

View full report

Preview
Download

"20130607InsMktReformReportFnl.pdf" (pdf, 1.46Mb)

Note: Documents in PDF format require the Adobe Acrobat Reader®. If you experience problems with PDF documents, please download the latest version of the Reader®