Millions of Americans obtain health coverage through private health plans in one of three market segments: individual, small group, or large group. Historically, there have been indications of high levels of concentration in these markets—that is, markets in which a small number of insurers enroll a significant portion of the total number of beneficiaries. A highly concentrated market may indicate a less competitive market and could affect consumers’ choice of health plans and their premiums.
The map below shows the enrollment share of the three largest insurers, the name (as reported in the data) and enrollment share of the largest insurer, and the total number of insurers by market segment in 2013.
Use the tabs to navigate between maps for the individual, small group, and large group market segments. Hold your mouse over a state (or the District of Columbia) to see the enrollment share of the largest three insurers, the name (as reported in the data) and enrollment share of the largest insurer, and the total number of insurers in the state.
|Enrollment share for the three largest insurers in each state|
|90% to 100% (23 states)|
|80% to less than 90% (16 states)|
|Less than 80% (12 states)|
Source: GAO analysis of 2013 Medical Loss Ratio data from the Centers for Medicare & Medicaid Services. | GAO-15-101R
Notes: We measured enrollment share using covered life-years, which represent the average number of lives insured, including dependents, on a pre-specified day over the 12 months in the reporting year. We reprinted the abbreviations and acronyms provided by the Centers for Medicare & Medicaid Services.
About this Report: This figure is a part of PRIVATE HEALTH INSURANCE: Concentration of Enrollees among Individual, Small Group, and Large Group Insurers from 2010 through 2013, GAO-15-101R