Individual Insurance Market Competition | KFF State Health Facts

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Individual Insurance Market Competition

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Individual Insurance Market Competition

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2024

Location	Herfindahl-Hirschman Index (HHI)	Market Share of Largest Insurer	Number of Insurers with Greater than 5% Market Share
United States	3650	0.48	4
Alabama	3963	0.47	3
Alaska	6102	0.74	2
Arizona	2410	0.3	4
Arkansas	4983	0.53	2
California	2389	0.33	5
Colorado	2334	0.32	4
Connecticut	4975	0.54	2
Delaware	5925	0.75	3
District of Columbia	6945	0.81	2
Florida	2868	0.42	3
Georgia	2464	0.4	5
Hawaii	5385	0.64	2
Idaho	2353	0.32	4
Illinois	3666	0.57	5
Indiana	2957	0.36	3
Iowa	5965	0.75	3
Kansas	2561	0.42	5
Kentucky	3644	0.49	3
Louisiana	3450	0.49	4
Maine	3414	0.43	3
Maryland	4225	0.58	3
Massachusetts	3864	0.56	4
Michigan	2413	0.31	5
Minnesota	3547	0.42	3
Mississippi	2793	0.42	4
Missouri	2437	0.37	5
Montana	3955	0.49	3
Nebraska	4116	0.56	3
Nevada	2811	0.46	6
New Hampshire	5804	0.73	3
New Jersey	3387	0.5	3
New Mexico	3222	0.48	5
New York	1582	0.3	6
North Carolina	3255	0.43	3
North Dakota	4878	0.59	2
Ohio	1619	0.23	6
Oklahoma	3916	0.57	4
Oregon	2071	0.26	5
Pennsylvania	2222	0.3	5
Rhode Island	5433	0.65	2
South Carolina	4167	0.51	3
South Dakota	3396	0.4	3
Tennessee	2831	0.46	4
Texas	2311	0.4	5
Utah	5304	0.7	3
Vermont	5648	0.68	2
Virginia	2213	0.38	6
Washington	1772	0.29	6
West Virginia	5025	0.57	2
Wisconsin	1474	0.25	6
Wyoming	5695	0.69	2

2023

Location	Herfindahl-Hirschman Index (HHI)	Market Share of Largest Insurer	Number of Insurers with Greater than 5% Market Share
United States	4147	0.53	3
Alabama	6455	0.79	3
Alaska	6645	0.79	2
Arizona	2366	0.29	4
Arkansas	5004	0.55	2
California	2583	0.35	5
Colorado	2694	0.39	4
Connecticut	5442	0.66	2
Delaware	8771	0.93	2
District of Columbia	6874	0.81	2
Florida	2676	0.43	4
Georgia	2355	0.38	6
Hawaii	5545	0.67	2
Idaho	2610	0.35	4
Illinois	4544	0.65	3
Indiana	2836	0.36	4
Iowa	8204	0.9	2
Kansas	4072	0.57	3
Kentucky	4388	0.55	3
Louisiana	5635	0.73	4
Maine	3288	0.35	3
Maryland	5116	0.67	3
Massachusetts	4035	0.59	4
Michigan	2955	0.38	3
Minnesota	4867	0.53	2
Mississippi	5216	0.7	3
Missouri	2992	0.46	5
Montana	3700	0.43	3
Nebraska	5344	0.67	2
Nevada	3111	0.49	5
New Hampshire	5228	0.67	3
New Jersey	4086	0.58	3
New Mexico	3421	0.49	4
New York	1537	0.31	6
North Carolina	3565	0.52	3
North Dakota	4973	0.6	2
Ohio	2346	0.36	5
Oklahoma	4918	0.68	4
Oregon	2125	0.29	5
Pennsylvania	2336	0.34	4
Rhode Island	5070	0.57	2
South Carolina	4844	0.63	3
South Dakota	3359	0.36	3
Tennessee	2749	0.43	5
Texas	1784	0.29	6
Utah	7686	0.87	2
Vermont	5384	0.64	2
Virginia	2068	0.38	6
Washington	1866	0.24	5
West Virginia	5302	0.65	2
Wisconsin	1445	0.26	6
Wyoming	5093	0.58	2

2022

Location	Herfindahl-Hirschman Index (HHI)	Market Share of Largest Insurer	Number of Insurers with Greater than 5% Market Share
United States	4489	0.56	3
Alabama	8260	0.91	2
Alaska	8027	0.89	2
Arizona	2218	0.31	5
Arkansas	5003	0.55	2
California	2564	0.34	4
Colorado	2137	0.29	5
Connecticut	6029	0.73	2
Delaware	9898	0.99	1
District of Columbia	7033	0.82	2
Florida	3015	0.48	4
Georgia	2811	0.49	6
Hawaii	5466	0.66	2
Idaho	3099	0.38	4
Illinois	4435	0.64	4
Indiana	4665	0.55	2
Iowa	8398	0.91	2
Kansas	3890	0.48	3
Kentucky	4683	0.53	2
Louisiana	7881	0.89	2
Maine	3396	0.37	3
Maryland	5651	0.71	2
Massachusetts	3455	0.52	4
Michigan	3404	0.44	3
Minnesota	3322	0.37	3
Mississippi	4446	0.63	4
Missouri	3226	0.51	4
Montana	3483	0.43	3
Nebraska	4544	0.61	3
Nevada	3951	0.59	4
New Hampshire	4233	0.5	3
New Jersey	4890	0.63	2
New Mexico	2560	0.32	4
New York	1531	0.31	7
North Carolina	4599	0.64	2
North Dakota	4860	0.57	2
Ohio	2291	0.28	4
Oklahoma	6686	0.81	2
Oregon	2188	0.3	5
Pennsylvania	2331	0.34	4
Rhode Island	9850	0.99	1
South Carolina	5703	0.74	3
South Dakota	3591	0.42	3
Tennessee	1991	0.29	6
Texas	2028	0.36	5
Utah	6747	0.82	2
Vermont	5010	0.54	2
Virginia	3254	0.52	5
Washington	2035	0.28	5
West Virginia	5054	0.62	2
Wisconsin	1503	0.28	6
Wyoming	7606	0.86	2

2021

Location	Herfindahl-Hirschman Index (HHI)	Market Share of Largest Insurer	Number of Insurers with Greater than 5% Market Share
United States	4766	0.58	3
Alabama	9520	0.98	1
Alaska	8570	0.92	2
Arizona	2942	0.38	5
Arkansas	5011	0.56	2
California	2570	0.35	4
Colorado	2101	0.3	6
Connecticut	6017	0.73	2
Delaware	9866	0.99	1
District of Columbia	7150	0.83	2
Florida	3341	0.53	4
Georgia	4121	0.61	5
Hawaii	5501	0.66	2
Idaho	3107	0.41	4
Illinois	5208	0.71	3
Indiana	4498	0.55	2
Iowa	9176	0.96	1
Kansas	4032	0.53	3
Kentucky	4989	0.52	2
Louisiana	9374	0.97	1
Maine	3592	0.41	3
Maryland	6095	0.75	2
Massachusetts	3537	0.53	4
Michigan	3701	0.48	2
Minnesota	5052	0.59	2
Mississippi	3810	0.53	3
Missouri	2831	0.43	4
Montana	3464	0.4	3
Nebraska	7539	0.86	2
Nevada	3903	0.59	5
New Hampshire	4020	0.49	3
New Jersey	4969	0.62	2
New Mexico	3268	0.47	4
New York	1464	0.29	6
North Carolina	6018	0.76	2
North Dakota	5000	0.6	2
Ohio	2578	0.38	4
Oklahoma	7879	0.88	2
Oregon	2251	0.31	5
Pennsylvania	2458	0.36	5
Rhode Island	5156	0.6	2
South Carolina	6929	0.82	2
South Dakota	3421	0.4	3
Tennessee	2583	0.36	5
Texas	2331	0.35	5
Utah	6444	0.79	2
Vermont	4977	0.51	2
Virginia	3693	0.55	4
Washington	2257	0.31	5
West Virginia	4876	0.6	2
Wisconsin	1362	0.22	6
Wyoming	8519	0.92	2

2020

Location	Herfindahl-Hirschman Index (HHI)	Market Share of Largest Insurer	Number of Insurers with Greater than 5% Market Share
United States	4991	0.6	3
Alabama	9322	0.97	1
Alaska	8367	0.91	2
Arizona	2958	0.37	4
Arkansas	5036	0.57	2
California	2485	0.35	4
Colorado	2362	0.33	4
Connecticut	6048	0.73	2
Delaware	9847	0.99	1
District of Columbia	7266	0.84	2
Florida	4364	0.6	3
Georgia	4562	0.64	4
Hawaii	5385	0.65	2
Idaho	3519	0.41	4
Illinois	5972	0.76	3
Indiana	4531	0.53	3
Iowa	9064	0.95	1
Kansas	4939	0.66	3
Kentucky	5132	0.59	2
Louisiana	9753	0.99	1
Maine	3461	0.43	3
Maryland	5940	0.72	2
Massachusetts	3488	0.53	4
Michigan	3814	0.52	2
Minnesota	3396	0.39	3
Mississippi	5129	0.65	2
Missouri	2873	0.44	3
Montana	3452	0.39	3
Nebraska	5737	0.7	2
Nevada	5048	0.69	4
New Hampshire	4591	0.61	3
New Jersey	4652	0.56	2
New Mexico	3907	0.57	4
New York	1478	0.3	6
North Carolina	8458	0.92	1
North Dakota	5390	0.66	2
Ohio	2445	0.37	5
Oklahoma	8559	0.92	1
Oregon	2499	0.34	4
Pennsylvania	2598	0.37	5
Rhode Island	5196	0.61	2
South Carolina	8394	0.92	1
South Dakota	3383	0.39	3
Tennessee	2778	0.42	4
Texas	2557	0.36	5
Utah	7332	0.85	2
Vermont	4988	0.52	2
Virginia	3101	0.49	4
Washington	2602	0.38	4
West Virginia	5386	0.68	2
Wisconsin	1304	0.25	6
Wyoming	9697	0.98	1

2019

Location	Herfindahl-Hirschman Index (HHI)	Market Share of Largest Insurer	Number of Insurers with Greater than 5% Market Share
United States	5052	0.61	3
Alabama	9357	0.97	1
Alaska	9895	0.99	1
Arizona	3314	0.41	4
Arkansas	5312	0.64	2
California	2628	0.36	4
Colorado	2731	0.37	4
Connecticut	5988	0.73	2
Delaware	9809	0.99	1
District of Columbia	7240	0.84	2
Florida	4871	0.64	2
Georgia	4017	0.56	4
Hawaii	5032	0.57	2
Idaho	3552	0.44	4
Illinois	6438	0.8	3
Indiana	4450	0.58	3
Iowa	4974	0.6	2
Kansas	5205	0.7	3
Kentucky	5762	0.7	2
Louisiana	9736	0.99	1
Maine	3547	0.43	3
Maryland	5548	0.68	2
Massachusetts	3292	0.5	4
Michigan	4090	0.56	2
Minnesota	2656	0.37	4
Mississippi	4967	0.62	2
Missouri	2713	0.37	4
Montana	3496	0.39	3
Nebraska	6559	0.79	2
Nevada	4722	0.61	3
New Hampshire	5235	0.68	3
New Jersey	4584	0.56	2
New Mexico	3195	0.42	4
New York	1362	0.27	8
North Carolina	9489	0.97	1
North Dakota	6857	0.81	2
Ohio	2208	0.39	5
Oklahoma	8998	0.95	1
Oregon	2662	0.38	4
Pennsylvania	2766	0.39	5
Rhode Island	5103	0.58	2
South Carolina	9440	0.97	1
South Dakota	3369	0.37	3
Tennessee	2799	0.44	4
Texas	2574	0.38	5
Utah	7663	0.87	2
Vermont	5077	0.57	2
Virginia	2958	0.43	4
Washington	3092	0.46	4
West Virginia	5286	0.68	2
Wisconsin	1453	0.28	5
Wyoming	9582	0.98	1

2018

Location	Herfindahl-Hirschman Index (HHI)	Market Share of Largest Insurer	Number of Insurers with Greater than 5% Market Share
United States	4958	0.6	3
Alabama	9472	0.97	1
Alaska	9867	0.99	1
Arizona	4063	0.49	3
Arkansas	4710	0.63	3
California	2635	0.37	4
Colorado	2820	0.41	4
Connecticut	5529	0.68	2
Delaware	9821	0.99	1
District of Columbia	6960	0.82	2
Florida	5192	0.68	2
Georgia	3215	0.47	4
Hawaii	5102	0.59	2
Idaho	3450	0.5	4
Illinois	6051	0.77	4
Indiana	4015	0.46	3
Iowa	4882	0.59	2
Kansas	4912	0.67	4
Kentucky	5035	0.56	2
Louisiana	8482	0.92	2
Maine	4804	0.59	2
Maryland	5592	0.69	2
Massachusetts	2902	0.44	4
Michigan	4050	0.59	3
Minnesota	2782	0.39	4
Mississippi	4641	0.56	3
Missouri	2649	0.37	4
Montana	3525	0.43	3
Nebraska	5983	0.75	3
Nevada	4867	0.65	3
New Hampshire	4546	0.61	3
New Jersey	4879	0.61	2
New Mexico	2962	0.41	4
New York	1293	0.25	8
North Carolina	9259	0.96	1
North Dakota	7529	0.86	2
Ohio	2178	0.36	5
Oklahoma	9140	0.96	1
Oregon	3121	0.45	4
Pennsylvania	2756	0.4	5
Rhode Island	4952	0.52	2
South Carolina	9352	0.97	1
South Dakota	3344	0.36	3
Tennessee	3105	0.45	4
Texas	2223	0.37	5
Utah	7401	0.85	2
Vermont	5549	0.67	2
Virginia	2070	0.25	5
Washington	3175	0.48	4
West Virginia	5272	0.68	3
Wisconsin	1295	0.23	5
Wyoming	9434	0.97	1

2017

Location	Herfindahl-Hirschman Index (HHI)	Market Share of Largest Insurer	Number of Insurers with Greater than 5% Market Share
United States	4613	0.57	3
Alabama	9532	0.98	1
Alaska	9850	0.99	1
Arizona	3687	0.44	3
Arkansas	4741	0.64	3
California	2325	0.3	5
Colorado	2866	0.41	3
Connecticut	4986	0.61	2
Delaware	5205	0.62	2
District of Columbia	7359	0.85	2
Florida	4064	0.6	3
Georgia	3878	0.56	4
Hawaii	5096	0.59	2
Idaho	2763	0.35	4
Illinois	5510	0.73	3
Indiana	2262	0.28	5
Iowa	4796	0.65	3
Kansas	4742	0.61	3
Kentucky	6471	0.78	2
Louisiana	6069	0.76	3
Maine	3370	0.4	3
Maryland	6519	0.78	2
Massachusetts	2618	0.41	4
Michigan	3337	0.49	5
Minnesota	2791	0.38	4
Mississippi	4033	0.45	3
Missouri	2843	0.45	5
Montana	3845	0.51	3
Nebraska	3006	0.36	4
Nevada	4443	0.58	2
New Hampshire	3593	0.46	3
New Jersey	5801	0.72	2
New Mexico	2894	0.4	4
New York	1050	0.17	8
North Carolina	9164	0.96	1
North Dakota	6928	0.82	3
Ohio	2198	0.31	5
Oklahoma	8841	0.94	1
Oregon	2866	0.46	5
Pennsylvania	2548	0.38	5
Rhode Island	5213	0.61	2
South Carolina	9211	0.96	1
South Dakota	3680	0.43	3
Tennessee	2323	0.27	4
Texas	2297	0.4	4
Utah	4622	0.6	3
Vermont	6797	0.8	2
Virginia	3135	0.5	3
Washington	2182	0.3	5
West Virginia	6387	0.78	3
Wisconsin	1222	0.24	6
Wyoming	9329	0.97	1

2016

Location	Herfindahl-Hirschman Index (HHI)	Market Share of Largest Insurer	Number of Insurers with Greater than 5% Market Share
United States	4256	0.56	4
Alabama	6166	0.76	3
Alaska	4963	0.54	2
Arizona	3070	0.51	5
Arkansas	5056	0.68	3
California	2519	0.3	4
Colorado	2696	0.36	4
Connecticut	3878	0.54	3
Delaware	8051	0.89	2
District of Columbia	7583	0.86	2
Florida	2474	0.44	6
Georgia	2074	0.32	6
Hawaii	5161	0.6	2
Idaho	3372	0.49	4
Illinois	4543	0.66	4
Indiana	2386	0.36	5
Iowa	5046	0.67	3
Kansas	3876	0.56	4
Kentucky	5971	0.76	3
Louisiana	4207	0.61	4
Maine	4572	0.62	3
Maryland	6443	0.79	2
Massachusetts	2218	0.36	5
Michigan	3426	0.52	5
Minnesota	3238	0.45	4
Mississippi	2989	0.44	4
Missouri	2115	0.3	6
Montana	5452	0.71	3
Nebraska	3538	0.49	3
Nevada	4286	0.59	3
New Hampshire	2581	0.39	4
New Jersey	4110	0.6	4
New Mexico	3041	0.36	3
New York	1003	0.14	8
North Carolina	4396	0.6	3
North Dakota	5864	0.74	3
Ohio	1976	0.35	4
Oklahoma	8133	0.9	2
Oregon	2727	0.44	5
Pennsylvania	1901	0.29	7
Rhode Island	4916	0.61	2
South Carolina	8204	0.9	2
South Dakota	3904	0.49	3
Tennessee	3920	0.59	4
Texas	2621	0.48	5
Utah	4285	0.61	4
Vermont	7863	0.88	2
Virginia	2860	0.46	5
Washington	2739	0.42	5
West Virginia	8338	0.91	2
Wisconsin	1195	0.21	8
Wyoming	9100	0.95	1

2015

Location	Herfindahl-Hirschman Index (HHI)	Market Share of Largest Insurer	Number of Insurers with Greater than 5% Market Share
United States	4226	0.57	4
Alabama	7466	0.86	2
Alaska	4295	0.49	3
Arizona	2580	0.43	4
Arkansas	5695	0.74	3
California	2406	0.31	4
Colorado	1615	0.23	7
Connecticut	3188	0.45	4
Delaware	7957	0.89	2
District of Columbia	6689	0.81	2
Florida	1900	0.34	5
Georgia	2898	0.46	3
Hawaii	5043	0.57	2
Idaho	4096	0.6	4
Illinois	6574	0.81	2
Indiana	2853	0.49	6
Iowa	5387	0.69	2
Kansas	3399	0.42	3
Kentucky	3887	0.52	3
Louisiana	4490	0.65	4
Maine	5728	0.71	2
Maryland	7679	0.87	2
Massachusetts	1996	0.3	5
Michigan	3507	0.56	4
Minnesota	5070	0.69	3
Mississippi	2957	0.44	4
Missouri	2577	0.4	4
Montana	3986	0.57	4
Nebraska	3580	0.49	3
Nevada	3151	0.5	4
New Hampshire	4536	0.65	4
New Jersey	3818	0.56	4
New Mexico	3173	0.44	4
New York	994	0.19	8
North Carolina	5959	0.75	3
North Dakota	6213	0.78	3
Ohio	2000	0.37	5
Oklahoma	7788	0.88	2
Oregon	2302	0.41	5
Pennsylvania	2835	0.46	5
Rhode Island	4802	0.59	2
South Carolina	3555	0.51	4
South Dakota	4351	0.62	4
Tennessee	4369	0.63	4
Texas	4887	0.68	2
Utah	3179	0.51	4
Vermont	8053	0.89	2
Virginia	3325	0.53	5
Washington	3050	0.48	5
West Virginia	8278	0.91	2
Wisconsin	1077	0.18	7
Wyoming	4334	0.59	4

2014

Location	Herfindahl-Hirschman Index (HHI)	Market Share of Largest Insurer	Number of Insurers with Greater than 5% Market Share
United States	4282	0.57	4
Alabama	8194	0.9	1
Alaska	3907	0.54	3
Arizona	2720	0.42	4
Arkansas	6410	0.79	2
California	2473	0.35	4
Colorado	1521	0.24	7
Connecticut	2700	0.36	4
Delaware	5528	0.72	3
District of Columbia	6040	0.77	3
Florida	2400	0.4	6
Georgia	3022	0.47	3
Hawaii	4912	0.52	2
Idaho	4171	0.6	4
Illinois	6168	0.78	2
Indiana	3849	0.59	5
Iowa	5295	0.71	3
Kansas	2955	0.38	3
Kentucky	3730	0.51	3
Louisiana	5421	0.73	3
Maine	4184	0.55	3
Maryland	6402	0.79	2
Massachusetts	2109	0.3	5
Michigan	3811	0.59	4
Minnesota	3545	0.52	4
Mississippi	3347	0.5	4
Missouri	2363	0.32	4
Montana	3861	0.57	4
Nebraska	3910	0.58	5
Nevada	2938	0.47	4
New Hampshire	8483	0.92	2
New Jersey	4288	0.56	3
New Mexico	4231	0.57	3
New York	962	0.15	9
North Carolina	7246	0.84	2
North Dakota	7075	0.84	3
Ohio	2408	0.38	4
Oklahoma	6023	0.77	3
Oregon	2868	0.49	6
Pennsylvania	2708	0.41	3
Rhode Island	8858	0.94	1
South Carolina	3156	0.49	4
South Dakota	5090	0.7	4
Tennessee	4282	0.62	4
Texas	4874	0.68	3
Utah	3021	0.47	5
Vermont	7626	0.86	2
Virginia	3888	0.59	5
Washington	3269	0.5	4
West Virginia	6255	0.78	3
Wisconsin	1187	0.22	7
Wyoming	2691	0.38	4

2013

Location	Herfindahl-Hirschman Index (HHI)	Market Share of Largest Insurer	Number of Insurers with Greater than 5% Market Share
United States	4328	0.58	4
Alabama	8231	0.91	2
Alaska	4141	0.62	5
Arizona	3335	0.5	5
Arkansas	6427	0.79	3
California	3097	0.49	4
Colorado	1914	0.36	7
Connecticut	2778	0.39	4
Delaware	3777	0.54	3
District of Columbia	5239	0.71	3
Florida	2815	0.48	5
Georgia	2585	0.43	3
Hawaii	4851	0.5	2
Idaho	3509	0.5	3
Illinois	4795	0.68	3
Indiana	4148	0.61	3
Iowa	7265	0.85	3
Kansas	2610	0.4	4
Kentucky	6547	0.79	2
Louisiana	5573	0.73	3
Maine	4255	0.55	3
Maryland	5157	0.69	3
Massachusetts	2282	0.34	5
Michigan	3636	0.57	3
Minnesota	3864	0.57	4
Mississippi	4348	0.62	3
Missouri	2157	0.34	5
Montana	4464	0.61	3
Nebraska	5420	0.72	3
Nevada	3444	0.46	3
New Hampshire	7753	0.88	2
New Jersey	6283	0.78	3
New Mexico	4008	0.5	2
New York	1587	0.25	6
North Carolina	7482	0.86	2
North Dakota	6615	0.8	3
Ohio	2671	0.35	3
Oklahoma	4621	0.65	4
Oregon	1783	0.31	7
Pennsylvania	2141	0.35	5
Rhode Island	8543	0.92	2
South Carolina	4027	0.6	3
South Dakota	5694	0.74	3
Tennessee	2885	0.42	4
Texas	3976	0.61	5
Utah	2947	0.41	4
Vermont	8021	0.89	2
Virginia	5699	0.75	3
Washington	3258	0.39	3
West Virginia	3646	0.55	3
Wisconsin	1711	0.27	6
Wyoming	2728	0.44	4

Topics

State Health Policy and Data

Categories

Insurance Market Competitiveness