States with the least competitive large-group health insurance markets
Published October 21, 2015 7:46 AM
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Updated October 21, 2015 8:19 AM
1 Min Read
Methodology
EBA, in partnership with business intelligence data analytics firm miEdge, reveals the least competitive large-group health insurance marketplaces by state (including the District of Columbia and Puerto Rico) based on Form 5500 Schedule A reporting data on premiums as of September 2015.
The combined rank number considers the following data points: 1) how much of the large-group market is controlled by one insurance carrier and 2) how much of the large-group market is controlled by the top five insurance carriers. This combination provides the best indication of how much each market is dominated by one carrier by adding the percent market share of the top carrier to the percent market share of the top five carriers.
[Images: Fotolia]
The combined rank number considers the following data points: 1) how much of the large-group market is controlled by one insurance carrier and 2) how much of the large-group market is controlled by the top five insurance carriers. This combination provides the best indication of how much each market is dominated by one carrier by adding the percent market share of the top carrier to the percent market share of the top five carriers.
[Images: Fotolia]
26) Vermont
Market share of top five carriers: 85.24%
Market share of top carrier: 35.15%
Top five carriers:
1) Cigna
2) BCBS of Vermont
3) MVP Health Care
4) The Vermont Health Plan
5) BCBS of North Carolina
Market share of top carrier: 35.15%
Top five carriers:
1) Cigna
2) BCBS of Vermont
3) MVP Health Care
4) The Vermont Health Plan
5) BCBS of North Carolina
25) Oregon
Market share of top five carriers: 84.51%
Market share of top carrier: 36.53%
Top five carriers:
1) Kaiser
2) BCBS of Oregon
3) Unum
4) PacificSource Health Plans
5) UnitedHealthcare
Market share of top carrier: 36.53%
Top five carriers:
1) Kaiser
2) BCBS of Oregon
3) Unum
4) PacificSource Health Plans
5) UnitedHealthcare
24) Oklahoma
Market share of top five carriers: 90.77%
Market share of top carrier: 33.94%
Top five carriers:
1) BCBS of Illinois
2) CommunityCare
3) BCBS of Oklahoma
4) UnitedHealthcare
5) Aetna
Market share of top carrier: 33.94%
Top five carriers:
1) BCBS of Illinois
2) CommunityCare
3) BCBS of Oklahoma
4) UnitedHealthcare
5) Aetna
23) Colorado
Market share of top five carriers: 88.39%
Market share of top carrier: 37.30%
Top five carriers:
1) Kaiser
2) UnitedHealthcare
3) Anthem
4) Cigna
5) Aetna
Market share of top carrier: 37.30%
Top five carriers:
1) Kaiser
2) UnitedHealthcare
3) Anthem
4) Cigna
5) Aetna
22) Idaho
Market share of top five carriers: 85.85%
Market share of top carrier: 41.73%
Top five carriers:
1) Blue Cross of Idaho
2) Regence BlueShield of Idaho
3) Kaiser
4) BCBS of Illinois
5) BCBS of Alabama
Market share of top carrier: 41.73%
Top five carriers:
1) Blue Cross of Idaho
2) Regence BlueShield of Idaho
3) Kaiser
4) BCBS of Illinois
5) BCBS of Alabama
21) Utah
Market share of top five carriers: 92.41%
Market share of top carrier: 35.24%
Top five carriers:
1) Select Health
2) BCBS of Utah
3) UnitedHealthcare
4) Aetna
5) Kaiser
Market share of top carrier: 35.24%
Top five carriers:
1) Select Health
2) BCBS of Utah
3) UnitedHealthcare
4) Aetna
5) Kaiser
20) California
Market share of top five carriers: 83.66%
Market share of top carrier: 45.62%
Top five carriers:
1) Kaiser
2) Anthem
3) Aetna
4) Blue Shield of California
5) UnitedHealthcare
Market share of top carrier: 45.62%
Top five carriers:
1) Kaiser
2) Anthem
3) Aetna
4) Blue Shield of California
5) UnitedHealthcare
19) New Hampshire
Market share of top five carriers: 91.12%
Market share of top carrier: 41.99%
Top five carriers:
1) Harvard Pilgrim Health Care
2) Anthem
3) Cigna
4) Aetna
5) BCBS of Massachusetts
Market share of top carrier: 41.99%
Top five carriers:
1) Harvard Pilgrim Health Care
2) Anthem
3) Cigna
4) Aetna
5) BCBS of Massachusetts
18) Nevada
Market share of top five carriers: 83.10%
Market share of top carrier: 56.33%
Top five carriers:
1) UnitedHealthcare
2) Anthem
3) Cigna
4) Aetna
5) Health Plan of Nevada/Sierra Health and Life
Market share of top carrier: 56.33%
Top five carriers:
1) UnitedHealthcare
2) Anthem
3) Cigna
4) Aetna
5) Health Plan of Nevada/Sierra Health and Life
17) South Carolina
Market share of top five carriers: 91.07%
Market share of top carrier: 49.23%
Top five carriers:
1) BCBS of South Carolina
2) Aetna
3) Florida BCBS
4) BCBS Insurance Company
5) UnitedHealthcare
Market share of top carrier: 49.23%
Top five carriers:
1) BCBS of South Carolina
2) Aetna
3) Florida BCBS
4) BCBS Insurance Company
5) UnitedHealthcare
16) Massachusetts
Market share of top five carriers: 85.72%
Market share of top carrier: 54.69%
Top five carriers:
1) BCBS of Massachusetts
2) Harvard Pilgrim Health Care
3) Tufts Health Plan
4) Kaiser
5) Fallon Community Health Plan
Market share of top carrier: 54.69%
Top five carriers:
1) BCBS of Massachusetts
2) Harvard Pilgrim Health Care
3) Tufts Health Plan
4) Kaiser
5) Fallon Community Health Plan
15) Louisiana
Market share of top five carriers: 85.04%
Market share of top carrier: 55.56%
Top five carriers:
1) BCBS of Louisiana
2) UnitedHealthcare
3) Humana
4) Aetna
5) Kaiser
Market share of top carrier: 55.56%
Top five carriers:
1) BCBS of Louisiana
2) UnitedHealthcare
3) Humana
4) Aetna
5) Kaiser
14) Mississippi
Market share of top five carriers: 85.60%
Market share of top carrier: 55.76%
Top five carriers:
1) BCBS of Mississippi
2) UnitedHealthcare
3) BCBS of Tennessee
4) HCC Life
5) American Fidelity Assurance Company
Market share of top carrier: 55.76%
Top five carriers:
1) BCBS of Mississippi
2) UnitedHealthcare
3) BCBS of Tennessee
4) HCC Life
5) American Fidelity Assurance Company
13) Hawaii
Market share of top five carriers: 98.99%
Market share of top carrier: 48.68%
Top five carriers:
1) Hawaii Medical Service Association
2) Kaiser
3) UHA
4) Aetna
5) Tokio Marine Pacific Insurance
Market share of top carrier: 48.68%
Top five carriers:
1) Hawaii Medical Service Association
2) Kaiser
3) UHA
4) Aetna
5) Tokio Marine Pacific Insurance
12) Rhode Island
Market share of top carrier: 61.65%
Market share of top five carriers: 90.68%
Top five carriers:
1) BCBS of Rhode Island
2) UnitedHealthcare
3) Health Net
4) Tufts Health Plan
5) Kaiser
Market share of top five carriers: 90.68%
Top five carriers:
1) BCBS of Rhode Island
2) UnitedHealthcare
3) Health Net
4) Tufts Health Plan
5) Kaiser
11) Delaware
Market share of top five carriers: 94.79%
Market share of top carrier: 57.81%
Top five carriers:
1) BCBS of Delaware
2) Aetna
3) Cigna
4) Highmark
5) UnitedHealthcare
Market share of top carrier: 57.81%
Top five carriers:
1) BCBS of Delaware
2) Aetna
3) Cigna
4) Highmark
5) UnitedHealthcare
10) Illinois
Market share of top five carriers: 86.72%
Market share of top carrier: 67.58%
Top five carriers:
1) BCBS of Illinois
2) UnitedHealthcare
3) Health Care Service Corporation
4) Kaiser
5) Aetna
Market share of top carrier: 67.58%
Top five carriers:
1) BCBS of Illinois
2) UnitedHealthcare
3) Health Care Service Corporation
4) Kaiser
5) Aetna
9) Puerto Rico
Market share of top five carriers: 96.69%
Market share of top carrier: 58.61%
Top five carriers:
1) Triple-S
2) Medical Card System Life Insurance
3) Humana
4) MAPFRE Life Insurance Company
5) First Medical Health Plan
Market share of top carrier: 58.61%
Top five carriers:
1) Triple-S
2) Medical Card System Life Insurance
3) Humana
4) MAPFRE Life Insurance Company
5) First Medical Health Plan
8) South Dakota
Market share of top five carriers: 91.07%
Market share of top carrier: 58.51%
Top five carriers:
1) BCBS of South Carolina
2) Aetna
3) Florida BCBS
4) BCBS Insurance Company
5) UnitedHealthcare
Market share of top carrier: 58.51%
Top five carriers:
1) BCBS of South Carolina
2) Aetna
3) Florida BCBS
4) BCBS Insurance Company
5) UnitedHealthcare
7) West Virginia
Market share of top five carriers: 88.53%
Market share of top carrier: 69.75%
Top five carriers:
1) Highmark
2) BCBS of Illinois
3) Health Plan of the Upper Ohio Valley
4) Aetna
5) UnitedHealthcare
Market share of top carrier: 69.75%
Top five carriers:
1) Highmark
2) BCBS of Illinois
3) Health Plan of the Upper Ohio Valley
4) Aetna
5) UnitedHealthcare
6) Kansas
Market share of top five carriers: 94.96%
Market share of top carrier: 65.41%
Top five carriers:
1) BCBS of Kansas
2) Aetna
3) UnitedHealthcare
4) Kaiser
5) Sun Life Financial
Market share of top carrier: 65.41%
Top five carriers:
1) BCBS of Kansas
2) Aetna
3) UnitedHealthcare
4) Kaiser
5) Sun Life Financial
5) Nebraska
Market share of top five carriers: 93.09%
Market share of top carrier: 70.03%
Top five carriers:
1) BCBS of Nebraska
2) UnitedHealthcare
3) Aetna
4) BCBS of Kansas
5) Humana
Market share of top carrier: 70.03%
Top five carriers:
1) BCBS of Nebraska
2) UnitedHealthcare
3) Aetna
4) BCBS of Kansas
5) Humana
4) Alabama
Market share of top five carriers: 91.08%
Market share of top carrier: 80.10%
Top five carriers:
1) BCBS of Alabama
2) UnitedHealthcare
3) Viva Health
4) HCC Life
5) BCBS Insurance Company
Market share of top carrier: 80.10%
Top five carriers:
1) BCBS of Alabama
2) UnitedHealthcare
3) Viva Health
4) HCC Life
5) BCBS Insurance Company
3) Iowa
Market share of top five carriers: 93.60%
Market share of top carrier: 78.76%
Top five carriers:
1) BCBS of Iowa
2) UnitedHealthcare
3) Aetna
4) BCBS of South Dakota
5) Medical Associates Health Plans
Market share of top carrier: 78.76%
Top five carriers:
1) BCBS of Iowa
2) UnitedHealthcare
3) Aetna
4) BCBS of South Dakota
5) Medical Associates Health Plans
2) North Dakota
Market share of top five carriers: 95.51%
Market share of top carrier: 79.48%
Top five carriers:
1) BCBS of North Dakota
2) Noridian Mutual Insurance Company
3) Medica
4) Sanford Health Plan
5) BCBS of Arkansas
Market share of top carrier: 79.48%
Top five carriers:
1) BCBS of North Dakota
2) Noridian Mutual Insurance Company
3) Medica
4) Sanford Health Plan
5) BCBS of Arkansas
1) Maine
Market share of top five carriers: 97.55%
Market share of top carrier: 80.46%
Top five carriers:
1) Anthem
2) Harvard Pilgrim Health Care
3) Aetna
4) Cigna
5) Maine Wellness Association
Market share of top carrier: 80.46%
Top five carriers:
1) Anthem
2) Harvard Pilgrim Health Care
3) Aetna
4) Cigna
5) Maine Wellness Association
