{"license":"https://creativecommons.org/licenses/by/4.0/","dataset":"geography","system":"insurance","systemMatched":true,"requestedSystem":"insurance","availableSystems":["insurance","banking"],"availableHistoricalSystems":["banking"],"marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","scopeKey":"us-individual-health-insurance","scopeLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"national":{"hhi":3650,"largestInsurerSharePct":48,"insurersOver5pct":4},"source":{"id":"kff-individual-insurance-market-2024","title":"Individual Insurance Market Competition (HHI by state)","publisher":"KFF","url":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","accessDate":"2026-06-23","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","dataStatus":"estimated_public","confidenceLevel":"high"},"guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition.","count":51,"rows":[{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"AL","stateName":"Alabama","hhi":3963,"largestInsurerSharePct":47,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"AK","stateName":"Alaska","hhi":6102,"largestInsurerSharePct":74,"insurersOver5pct":2,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"AZ","stateName":"Arizona","hhi":2410,"largestInsurerSharePct":30,"insurersOver5pct":4,"concentrationClass":"moderately_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"AR","stateName":"Arkansas","hhi":4983,"largestInsurerSharePct":53,"insurersOver5pct":2,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"CA","stateName":"California","hhi":2389,"largestInsurerSharePct":33,"insurersOver5pct":5,"concentrationClass":"moderately_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"CO","stateName":"Colorado","hhi":2334,"largestInsurerSharePct":32,"insurersOver5pct":4,"concentrationClass":"moderately_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"CT","stateName":"Connecticut","hhi":4975,"largestInsurerSharePct":54,"insurersOver5pct":2,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"DE","stateName":"Delaware","hhi":5925,"largestInsurerSharePct":75,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"DC","stateName":"District of Columbia","hhi":6945,"largestInsurerSharePct":81,"insurersOver5pct":2,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"FL","stateName":"Florida","hhi":2868,"largestInsurerSharePct":42,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"GA","stateName":"Georgia","hhi":2464,"largestInsurerSharePct":40,"insurersOver5pct":5,"concentrationClass":"moderately_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"HI","stateName":"Hawaii","hhi":5385,"largestInsurerSharePct":64,"insurersOver5pct":2,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"ID","stateName":"Idaho","hhi":2353,"largestInsurerSharePct":32,"insurersOver5pct":4,"concentrationClass":"moderately_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"IL","stateName":"Illinois","hhi":3666,"largestInsurerSharePct":57,"insurersOver5pct":5,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"IN","stateName":"Indiana","hhi":2957,"largestInsurerSharePct":36,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"IA","stateName":"Iowa","hhi":5965,"largestInsurerSharePct":75,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"KS","stateName":"Kansas","hhi":2561,"largestInsurerSharePct":42,"insurersOver5pct":5,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"KY","stateName":"Kentucky","hhi":3644,"largestInsurerSharePct":49,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"LA","stateName":"Louisiana","hhi":3450,"largestInsurerSharePct":49,"insurersOver5pct":4,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"ME","stateName":"Maine","hhi":3414,"largestInsurerSharePct":43,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"MD","stateName":"Maryland","hhi":4225,"largestInsurerSharePct":58,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"MA","stateName":"Massachusetts","hhi":3864,"largestInsurerSharePct":56,"insurersOver5pct":4,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"MI","stateName":"Michigan","hhi":2413,"largestInsurerSharePct":31,"insurersOver5pct":5,"concentrationClass":"moderately_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"MN","stateName":"Minnesota","hhi":3547,"largestInsurerSharePct":42,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"MS","stateName":"Mississippi","hhi":2793,"largestInsurerSharePct":42,"insurersOver5pct":4,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"MO","stateName":"Missouri","hhi":2437,"largestInsurerSharePct":37,"insurersOver5pct":5,"concentrationClass":"moderately_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"MT","stateName":"Montana","hhi":3955,"largestInsurerSharePct":49,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"NE","stateName":"Nebraska","hhi":4116,"largestInsurerSharePct":56,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"NV","stateName":"Nevada","hhi":2811,"largestInsurerSharePct":46,"insurersOver5pct":6,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"NH","stateName":"New Hampshire","hhi":5804,"largestInsurerSharePct":73,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"NJ","stateName":"New Jersey","hhi":3387,"largestInsurerSharePct":50,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"NM","stateName":"New Mexico","hhi":3222,"largestInsurerSharePct":48,"insurersOver5pct":5,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"NY","stateName":"New York","hhi":1582,"largestInsurerSharePct":30,"insurersOver5pct":6,"concentrationClass":"moderately_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"NC","stateName":"North Carolina","hhi":3255,"largestInsurerSharePct":43,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"ND","stateName":"North Dakota","hhi":4878,"largestInsurerSharePct":59,"insurersOver5pct":2,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"OH","stateName":"Ohio","hhi":1619,"largestInsurerSharePct":23,"insurersOver5pct":6,"concentrationClass":"moderately_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"OK","stateName":"Oklahoma","hhi":3916,"largestInsurerSharePct":57,"insurersOver5pct":4,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"OR","stateName":"Oregon","hhi":2071,"largestInsurerSharePct":26,"insurersOver5pct":5,"concentrationClass":"moderately_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"PA","stateName":"Pennsylvania","hhi":2222,"largestInsurerSharePct":30,"insurersOver5pct":5,"concentrationClass":"moderately_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"RI","stateName":"Rhode Island","hhi":5433,"largestInsurerSharePct":65,"insurersOver5pct":2,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"SC","stateName":"South Carolina","hhi":4167,"largestInsurerSharePct":51,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"SD","stateName":"South Dakota","hhi":3396,"largestInsurerSharePct":40,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"TN","stateName":"Tennessee","hhi":2831,"largestInsurerSharePct":46,"insurersOver5pct":4,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"TX","stateName":"Texas","hhi":2311,"largestInsurerSharePct":40,"insurersOver5pct":5,"concentrationClass":"moderately_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"UT","stateName":"Utah","hhi":5304,"largestInsurerSharePct":70,"insurersOver5pct":3,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"VT","stateName":"Vermont","hhi":5648,"largestInsurerSharePct":68,"insurersOver5pct":2,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"VA","stateName":"Virginia","hhi":2213,"largestInsurerSharePct":38,"insurersOver5pct":6,"concentrationClass":"moderately_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"WA","stateName":"Washington","hhi":1772,"largestInsurerSharePct":29,"insurersOver5pct":6,"concentrationClass":"moderately_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"WV","stateName":"West Virginia","hhi":5025,"largestInsurerSharePct":57,"insurersOver5pct":2,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"WI","stateName":"Wisconsin","hhi":1474,"largestInsurerSharePct":25,"insurersOver5pct":6,"concentrationClass":"unconcentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."},{"system":"insurance","marketKey":"us-individual-health-insurance","marketLabel":"U.S. individual health insurance","metricLabel":"Market HHI","metricUnit":"HHI (0–10,000)","year":2024,"stateCode":"WY","stateName":"Wyoming","hhi":5695,"largestInsurerSharePct":69,"insurersOver5pct":2,"concentrationClass":"highly_concentrated","sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceUrl":"https://www.kff.org/state-health-policy-data/state-indicator/individual-insurance-market-competition/","sourceProfileHref":"/sources/kff-individual-insurance-market-2024","accessDate":"2026-06-23","dataStatus":"estimated_public","confidenceLevel":"high","methodologyNote":"KFF analysis of Medical Loss Ratio (MLR) Part 1 data from the Health Coverage Portal maintained by Mark Farrah Associates. HHI is the source-reported state-level value for the ACA-regulated individual market; firm-level shares are not re-derived here.","guardrail":"This geography layer describes the ACA-regulated individual health insurance market using KFF's 2024 state-level measures. It does not measure a state's overall economy, employer-sponsored insurance, or a legal market definition."}]}