{"license":"https://creativecommons.org/licenses/by/4.0/","dataset":"reports","count":2,"filters":{"source":"kff-individual-insurance-market-2024","sourceMatched":true,"sourceId":"kff-individual-insurance-market-2024","sourceTitle":"Individual Insurance Market Competition (HHI by state)","sourcePublisher":"KFF","sourceProfileHref":"/sources/kff-individual-insurance-market-2024"},"rows":[{"id":"rep-us-competition-landscape-2026","slug":"us-competition-landscape-2026","title":"The U.S. Competition Landscape","subtitle":"State of Competition 2026: five evidence systems, no single score","summary":"A national briefing that aligns defined-market signals, industry structure, state and local geographic concentration screens, merger activity, and enforcement records without collapsing their different scopes.","body":"Public evidence does not support a single national competition score. The clearest picture comes from five bounded systems. Among eight curated markets, four current profiles publish highly concentrated readings while four withhold HHI because public shares are incomplete or aggregate. The 2022 Economic Census publishes revenue-based HHI for 679 of 899 detailed six-digit industries, with a median of 284 among published rows; strict 2017-2022 comparisons remain a separate history lens. KFF's 2024 individual-market data place median state HHI at 3,414 and 36 of 51 jurisdictions above 2,500. A separately bounded 2025 FDIC screen places median statewide branch-deposit HHI at 903, with 5 of 51 jurisdictions above 2,500. A deeper FDIC layer publishes 3,104 county and county-equivalent branch-deposit screens with a median HHI of 2,826; 1,792 exceed 2,500 and 187 contain one reported organization. Banking markets are often local, but county boundaries may not match them, so both FDIC layers remain screens rather than legal market definitions. USDA's historical national beef-packer CR4 adds a buyer-side concentration anchor while remaining distinct from individual packer shares, regional cattle procurement markets, and the related Census slaughtering-industry revenue screen. The FY2025 HSR report records 2,006 reported transactions and a 2.1% Second Request rate among adjusted transactions. Dated enforcement records add procedure and institutional context, not causal proof. Read together, these systems identify where scrutiny and public disclosure are most valuable. Read as one composite, they would erase market definition, geography, vintage, and legal meaning. This report therefore presents a national competition landscape with explicit handoffs to the underlying markets, industries, state and local screens, merger series, policy records, and source dossiers.","coverImageUrl":"/generated-assets/report-cover-us-competition-landscape.png","publishedAt":"2026-07-19","relatedMarketIds":["mkt-wireless","mkt-airlines","mkt-housing","mkt-search","mkt-browser","mkt-pbm","mkt-ai-chatbot","mkt-meatpacking"],"sourceIds":["fcc-2024-cmr","bts-transtats-2026","jchs-rental-housing-2026","statcounter-search-us-2026","statcounter-browser-us-2026","ftc-pbm-interim-2024","statcounter-ai-chatbot-us-2026","usda-ers-meatpacking-2024","census-ecnsize-concentration-2022","census-ecnsize-concentration-2017","kff-individual-insurance-market-2024","fdic-sod-2025","ftc-doj-hsr-report-2025","doj-google-search-case-2020"],"sourceBasis":"2022 and 2017 U.S. Economic Census industry concentration tables, USDA ERS historical meatpacking CR4, KFF 2024 state individual-market HHI, FDIC 2025 statewide and county Summary of Deposits screens, the FY2025 FTC/DOJ HSR report, and source-backed market and enforcement records.","tableOfContents":["Executive synthesis","Defined market signals","Industry structure","Geographic concentration","Merger pipeline","Enforcement record","Public evidence agenda"],"preview":"A source-backed state-of-competition briefing across markets, industries, state systems, local banking screens, mergers, and enforcement, with every system kept in its own analytical universe.","publicationType":"state_of_competition","seriesTitle":"State of Competition","seriesNumber":"AR-SC-2026-01","authorName":"Antitrust Radar Research Team","version":"1.0","updatedAt":"2026-07-19","publicationStatus":"current","revisionNote":"Initial public edition.","canonicalCitation":"Antitrust Radar Research Team. (2026, July 19). The U.S. Competition Landscape: State of Competition 2026: five evidence systems, no single score. State of Competition, AR-SC-2026-01 (Version 1.0). Antitrust Radar. https://antitrustradar.org/reports/us-competition-landscape-2026","citationDownloads":{"bibtex":"/reports/us-competition-landscape-2026/citation/bibtex","ris":"/reports/us-competition-landscape-2026/citation/ris"},"sourceProfileHrefs":["/sources/fcc-2024-cmr","/sources/bts-transtats-2026","/sources/jchs-rental-housing-2026","/sources/statcounter-search-us-2026","/sources/statcounter-browser-us-2026","/sources/ftc-pbm-interim-2024","/sources/statcounter-ai-chatbot-us-2026","/sources/usda-ers-meatpacking-2024","/sources/census-ecnsize-concentration-2022","/sources/census-ecnsize-concentration-2017","/sources/kff-individual-insurance-market-2024","/sources/fdic-sod-2025","/sources/ftc-doj-hsr-report-2025","/sources/doj-google-search-case-2020"]},{"id":"rep-state-individual-insurance","slug":"state-individual-insurance-concentration-2024","title":"State Individual Insurance Concentration, 2024","subtitle":"Highly concentrated readings appear in 36 of 51 jurisdictions","summary":"A source-backed research brief mapping the 2024 KFF state concentration cross-section for the ACA-regulated individual health insurance market, including HHI, leading-insurer share, rival depth, regional variation, and the public evidence needed for stronger competition analysis.","body":"KFF's 2024 individual-insurance dataset reports a median HHI of 3,414 across the 50 states and District of Columbia. Thirty-six of 51 jurisdictions, or 70.6 percent, report HHI at or above 2,500. Twenty-one jurisdictions report a leading-insurer share at or above 50 percent, and 27 report no more than three insurers with shares above 5 percent. The cross-section ranges from Wisconsin at HHI 1,474 to the District of Columbia at 6,945. Regional medians also differ: 3,864 in the Northeast, 3,644 in the South, 3,177 in the Midwest, and 2,811 in the West. Across the 51 jurisdiction rows, HHI has a descriptive Pearson correlation of 0.959 with leading-insurer share and -0.831 with the count of insurers above 5 percent. Those relationships reconcile internally related structure measures; they are not causal estimates or independent outcome evidence. This packet covers the source-defined 2024 ACA-regulated individual market only. It does not cover employer-sponsored insurance, Medicare, Medicaid, every insurance product, a state's overall economy, competitive effects, or legal liability. The public rows do not identify insurers or common control in each jurisdiction. Stronger research therefore requires firm-level state shares, stable ownership and plan identifiers, annual vintages, entry and exit events, and outcomes including premiums, network breadth, quality, switching, enrollment, claims, and consumer complaints.","coverImageUrl":"/generated-assets/report-cover-concentration.png","publishedAt":"2026-07-24","relatedMarketIds":["mkt-individual-insurance"],"sourceIds":["kff-individual-insurance-market-2024"],"sourceBasis":"KFF 2024 Individual Insurance Market Competition data for the 50 states and District of Columbia, including source-reported HHI, leading-insurer share, and the count of insurers with more than 5 percent of each jurisdiction's ACA-regulated individual market.","tableOfContents":["National distribution","State concentration map","Regional comparison","Structure relationships","Exact jurisdiction ledger","Public evidence agenda","Reproduction packet","Methodology and limits"],"preview":"A 51-jurisdiction KFF concentration cross-section showing where high HHI, leading-insurer share, and thin rival depth coincide, with every result bounded to the 2024 ACA individual market.","publicationType":"research_brief","seriesTitle":"Competition Research Briefs","seriesNumber":"AR-RB-2026-07","authorName":"Antitrust Radar Research Team","version":"1.0","updatedAt":"2026-07-24","publicationStatus":"current","revisionNote":"Initial public edition.","canonicalCitation":"Antitrust Radar Research Team. (2026, July 24). State Individual Insurance Concentration, 2024: Highly concentrated readings appear in 36 of 51 jurisdictions. Competition Research Briefs, AR-RB-2026-07 (Version 1.0). Antitrust Radar. https://antitrustradar.org/reports/state-individual-insurance-concentration-2024","citationDownloads":{"bibtex":"/reports/state-individual-insurance-concentration-2024/citation/bibtex","ris":"/reports/state-individual-insurance-concentration-2024/citation/ris"},"sourceProfileHrefs":["/sources/kff-individual-insurance-market-2024"]}]}