The Impact of Access Regulation on Health Insurance Market Structure. Market Knowledge by State

10/20/2000

The proportion of the group and individual markets in each state that is “known” after compiling data from each of the sources of information described above is listed in Table A2. The proportion of the market that is known is measured as the major medical premiums earned in the state by all of the health insurers about which we have information, divided by the total premium volume of all health insurers in the state with at least $500,000 in earned premiums. Because Hawaii does not require HMOs to file financial reports, we have omitted Hawaii from the database; the database does include, however, the District of Columbia, bringing our total count of state-level markets to 50. Because the denominator for this measure includes all health premiums earned by insurers for which we do not have information (and, therefore, may include health lines other than major medical), these estimates are conservative.

Using earned premiums as a measure, we know at least 89 percent of the group market in all states and at least 95 percent of the group markets in 25 states. In the individual market, we know at least 90 percent of the market in all states but Texas (at 87 percent); in 29 states, we know at least 95 percent of the market.

TABLE A2
PERCENT OF GROUP AND INDIVIDUAL MAJOR MEDICAL MARKETS KNOWN FROM THE
ALPHA CENTER SURVEY OF COMMERCIAL INSURERS AND STANDARD FILINGS

(Information about 100 percent of markets in states marked with an asterisk was obtained from other state reports.)

Group Markets Individual Markets
AK 96.59% AK 100.00%
AL 98.69% AL 96.84%
AR 93.12% AR 95.05%
AZ 94.67% AZ 97.87%
CA 97.23% CA 98.20%
CO 92.01% CO 90.61%
CT 96.74% CT 95.80%
DC 91.02% DC 98.31%
DE 95.14% DE 97.21%
FL 89.13% FL 91.96%
GA 94.95% GA 93.09%
IA 97.20% IA 94.59%
ID 97.92% ID 100.00%
IL 89.79% IL 94.01%
IN 94.25% IN 95.57%
KS 95.32% KS 95.37%
KY 98.07% KY 96.72%
LA 91.23% LA 96.61%
MA 96.48% MA 93.48%
MD 98.48% MD 97.98%
ME 97.34% ME 94.97%
MI 96.59% MI 95.46%
MN 94.35% MN 91.03%
MO* 93.40% MO* 96.21%
MS 90.41% MS 95.69%
MT 94.21% MT 95.65%
NC 96.44% NC 91.29%
ND 98.47% ND 94.20%
NE 94.58% NE 93.41%
NH 96.72% NH 95.10%
NJ 93.12% NJ 96.93%
NM 96.92% NM 93.30%
NV 94.76% NV 95.39%
NY 93.88% NY 98.48%
OH 89.62% OH 97.23%
OK 91.58% OK 92.53%
OR 98.74% OR 95.58%
PA 88.57% PA 92.87%
RI 97.63% RI 100.00%
SC 94.47% SC 94.14%
SD 92.77% SD 92.37%
TN 92.36% TN 91.62%
TX 93.11% TX 86.71%
UT 93.40% UT 99.23%
VA 97.41% VA 96.88%
VT* 97.05% VT* 78.23%
WA 97.75% WA 98.62%
WI 93.25% WI 89.93%
WV 92.09% WV 94.30%
WY 93.22% WY 97.77%