Trends in Premiums in the Small Group and Individual Insurance Markets, 2008-2011. Appendix B: Large Carriers and Market Concentration in Each State

11/06/2012

 

Market Concentration and Number of Carriers for the Individual Health Insurance Market, by State


Table B1: Market Concentration and Number of Carriers for the Individual Health Insurance Market, by State

StateNumber of licensed carriersLargest Carrier (by market share, as a % of premiums)Market Share - Largest CarrierMarket Share - Top 3 CarriersRank of largest BCBS carrierMarket share of all BCBS carriers (%)
Alabama 42 BCBS of Alabama 86.30% 93.70% 1 86.30%
Iowa 38 Wellmark BCBS of Iowa 84.00% 92.30% 1 84.00%
Kentucky 38 Anthem BCBS (WellPoint) 88.10% 97.20% 1 88.1%*
North Carolina 55 BCBS of North Carolina 82.40% 89.50% 1 82.40%
North Dakota 26 BCBS of North Dakota (Noridian) 92.90% 99.10% 1 92.90%
Rhode Island 24 BCBS of Rhode Island 82.00% 91.80% 1 82.00%
Alaska 20 Premera BCBS of Alaska 51.60% 65.40% 151.60%
Arizona 40 BCBS of Arizona 53.00% 75.20% 153.00%
Arkansas 43Arkansas BCBS 75.40% 87.20% 175.40%
Connecticut 33Anthem BCBS (WellPoint) 57.10% 84.20% 1 57.1%*
District of Columbia 24CareFirst BCBS 66.80% 89.50% 1 66.80%
Delaware 245BCBS of Delaware 55.10% 87.90% 1 55.10%
Georgia 52BCBS of Georgia (WellPoint) 56.00% 72.50% 1 56.0%*
Hawaii 16Hawaii Medical Service Association (BCBS of Hawaii) 53.40% 99.50% 1 53.40%
Illinois 55BCBS of Illinois (Health Care Service Corporation) 64.50% 78.00% 1 64.50%
Indiana 51 Anthem BCBS (WellPoint) 66.40% 83.70% 1 63.3%*
Louisiana 36BCBS of Louisiana (Louisiana Health Service) 75.70% 85.30% 1 75.70%
Maryland 37CareFirst BCBS 70.90% 90.00% 1 70.90%
Massachusetts 39BCBS of Massachusetts 60.60% 87.30% 1 60.60%
Michigan 53 BCBS of Michigan 59.80% 77.20% 1 59.80%
Minnesota 48 BCBS of Minnesota 71.90% 88.00% 1 71.90%
Mississippi 37 BCBS of Mississippi 55.40% 77.90% 1 55.40%
Nebraska 39 BCBS of Nebraska 64.40% 83.70% 1 64.40%
New Hampshire 25 Anthem BCBS (WellPoint) 73.50% 92.50% 1 73.5%*
New Jersey 38 Horizon BCBS of New Jersey 69.00% 96.40% 1 74.30%
New Mexico 37 BCBS of New Mexico (Health Care Service Corporation) 61.90% 89.10% 1 61.90%
Oklahoma 41 BCBS of Oklahoma (Health Care Service Corporation) 55.60% 79.90% 1 55.60%
South Carolina 50 BCBS Of South Carolina 53.80% 78.50% 1 53.80%
South Dakota 36 Wellmark BCBS of South Dakota 72.70% 85.80% 1 72.70%
Texas 73 BCBS of Texas (Health Care Service Corporation) 54.10% 72.00% 1 54.10%
Vermont 21 BCBS of Vermont 79.60% 99.90% 1 79.60%
Virginia 52 Anthem BCBS (WellPoint) 74.20% 86.70% 1 81.8%*
Wyoming 29 BCBS of Wyoming 52.30% 76.10% 1 52.30%
California59 Anthem Blue Cross (WellPoint)* 42.80% 80.10% 1 65.1%*
Colorado 47 Anthem BCBS (WellPoint) 33.20% 57.20% 1 33.2%*
Florida 66 BCBS of Florida 45.80% 69.60% 1 45.80%
Idaho 30 Regence BlueShield of Idaho 41.50% 84.10% 179.90%
Kansas 38 BCBS of Kansas 49.80% 73.50% 166.90%
Maine 25 Anthem BCBS (WellPoint) 46.20% 97.70% 1 46.2%*
Missouri 49 Anthem BCBS (WellPoint) 37.50% 69.70% 1 54.4%*
Montana 30 BCBS of Montana 49.40% 82.60% 1 49.40%
Nevada 35 Anthem BCBS (WellPoint) 42.70% 83.10% 1 42.7%*
New York 55 Empire BCBS (WellPoint) 33.10% 71.20% 1 43.6%*
Ohio 58 Medical Mutual of Ohio 40.90% 69.60% 54.4%***
Oregon 47 Regence BCBS of Oregon 38.50% 64.40% 1 38.50%
Pennsylvania 54 Independence BlueCross 35.20% 78.60% 1 78.60%
Tennessee 52 BCBS of Tennessee 43.80% 77.30% 1 43.80%
Utah 37 SelectHealth (IHC) 44.80% 83.50% 227.90%
Washington 42 Regence BCBS of Washington 47.50% 93.90% 1 76.10%
West Virginia 35 Highmark BCBS of West Virginia 49.80% 81.50% 1 49.80%
Wisconsin 50 Anthem BCBS (WellPoint) 22.10% 53.80% 1 22.10%

 

Table B2: Market Concentration and Number of Carriers for the Small Group Health Insurance Market, by State

StateNumber of licensed carriersLargest Carrier (by market share, as a % of premiums)Market Share - Largest CarrierMarket Share - Top 3 CarriersRank of largest BCBS carrierMarket share of all BCBS carriers (%)
High Market Concentration (80% or More of Market Share by Largest Carrier)
Alabama11BCBS of Alabama96.30%99.60%196.30%
Louisiana11BCBS of Louisiana82.10%95.40%182.10%
Mississippi13BCBS of Mississippi82.10%96.10%182.10%
North Dakota7BCBS of North Dakota (Noridian)90.70%99.70%190.70%
Medium Market Concentration (50-<80% of Market Share by Largest Carrier)
Alaska8Premera BCBS of Alaska65.10%85.60%165.10%
Arkansas14Arkansas BCBS50.00%91.10%150.00%
District of Columbia11CareFirst BCBS61.90%95.00%161.90%
Delaware10BCBS of Delaware60.20%90.50%162.30%
Hawaii6Hawaii Medical Service Association (BCBS)69.30%92.50%169.30%
Illinois29BCBS of Illinois (Health Care Service Corporation)54.10%81.50%154.10%
Iowa19Wellmark BCBS63.20%90.00%163.20%
Kansas17BCBS of Kansas52.30%75.30%162.60%
Kentucky11Anthem BCBS (WellPoint)60.70%93.60%160.7%*
Maryland9CareFirst BCBS70.40%94.00%170.40%
Michigan28BCBS of Michigan67.40%77.30%167.40%
Minnesota11BCBS of Minnesota52.60%88.90%152.60%
Montana11BCBS of Montana71.10%87.20%171.10%
New Hampshire10Anthem BCBS (WellPoint)61.50%97.10%161.5%*
North Carolina17BCBS of North Carolina62.70%94.10%162.70%
Rhode Island8BCBS of Rhode Island74.10%99.60%174.10%
South Carolina18BCBS of South Carolina63.10%89.40%163.10%
South Dakota13Wellmark BCBS of South Dakota65.50%90.40%165.50%
Tennessee21BCBS of Tennessee69.00%94.20%169.00%
Washington12Regence BCBS of Washington54.90%80.00%161.60%
Wyoming10BCBS of Wyoming55.30%85.70%155.30%
Low Market Concentration (<50%of Market Share by Largest Carrier)
Arizona20BCBS of Arizona27.50%73.20%127.50%
California**24Kaiser27.20%70.40%243.1%*
Colorado15UnitedHealthcare25.90%58.90%217.2%*
Connecticut11Anthem BCBS (WellPoint)35.40%84.30%135.4%*
Florida17UnitedHealthcare41.00%88.00%232.40%
Georgia25BCBS of Georgia (WellPoint)39.30%65.20%139.3%*
Idaho12Regence BlueShield of Idaho46.30%95.20%187.80%
Indiana28Anthem BCBS (WellPoint)49.80%71.10%148.9%*
Maine9Anthem BCBS (WellPoint)48.80%99.00%148.8%*
Massachusetts16BCBS of Massachusetts48.30%84.10%148.30%
Missouri22WellPoint (Anthem BCBS)40.90%74.00%152.2%*
Nebraska18BCBS of Nebraska45.20%81.40%145.20%
Nevada19UnitedHealthcare46.00%75.90%219.5%*
New Jersey12Horizon BCBS of New Jersey48.90%93.20%154.90%
New Mexico14BCBS of New Mexico (Health Care Service Corporation)35.10%83.10%135.10%
New York20UnitedHealthcare31.70%50.10%219.5%*
Ohio35Anthem BCBS (WellPoint)36.40%79.00%136.4%*
Oklahoma18BCBS of Oklahoma (Health Care Service Corporation)47.80%73.80%147.80%
Oregon11Regence BCBS of Oregon24.70%61.20%124.70%
Pennsylvania22Independence Blue Cross26.20%60.80%158.10%
Texas32BCBS of Texas (Health Care Service Corporation)42.10%77.90%142.10%
Utah15SelectHealth (Intermountain Healthcare)38.00%82.60%228.00%
Vermont5BCBS of Vermont45.00%99.90%145.00%
Virginia23Anthem BCBS (WellPoint)49.10%75.90%163.8%*
West Virginia17Highmark BCBS of West Virginia26.60%45.80%126.60%
Wisconsin31UnitedHealthcare37.30%58.30%211.6%*

 

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