{"license":"https://creativecommons.org/licenses/by/4.0/","dataset":"markets","count":1,"filters":{"sector":"Health insurance","geography":null,"class":null,"vintage":null,"status":null,"confidence":null,"matchedMarkets":1},"rows":[{"id":"mkt-individual-insurance","slug":"us-aca-individual-health-insurance","name":"U.S. ACA individual health insurance","shortName":"Individual insurance","geography":"United States / separately reported state and District of Columbia markets","sector":"Health insurance","dataVintage":"2024","naicsCode":"524114","industryHref":"/industries/524114","crosswalkHref":"/markets/economy?bridgeMarket=us-aca-individual-health-insurance&bridgeNaics=524114#market-industry-crosswalk","latestHhi":3650,"concentrationClass":"highly_concentrated","cr4":null,"topFirmShare":null,"hhiAtOrAbove2500":true,"hhiDisclosureGap":false,"dataStatus":"estimated_public","confidenceLevel":"high","sourceCount":1,"policySourceCount":0,"policyEventCount":0,"reportCount":1,"briefAction":"Keep the market on a public watchlist and require reusable concentration data at each major industry update.","briefActionLevel":"Immediate review","briefChange":"The profile currently has one comparable concentration snapshot, so no direction is assigned.","briefComparisonDelta":null,"briefComparisonDirection":"unavailable","briefComparisonFromYear":null,"briefComparisonMetric":null,"briefComparisonToYear":null,"briefEvidence":"1 record in the evidence custody chain, 0 latest share rows, 0 linked official records, and 1 related brief support this profile. Status is estimated public with high confidence.","briefEvidenceState":"measured_hhi","briefGuardrail":"This brief summarizes the observatory's published market screen. It does not define a legal antitrust market, establish market power, identify anticompetitive conduct, estimate consumer harm, or convert descriptive concentration into a causal claim.","briefHeadline":"Individual insurance: highly concentrated in the latest public screen.","briefHref":"/markets/us-aca-individual-health-insurance#overview","briefQuestion":"How does the published concentration screen vary across relevant geographic markets, customer groups, and later source releases?","briefSourceIds":"kff-individual-insurance-market-2024","briefStructure":"The latest 2024 screen reports HHI 3,650, classified as highly concentrated."}]}