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Geographic observatory

State competition atlas

Pick a state to see how concentrated its banking and individual health-insurance markets are, how that has changed, and how it compares with its neighbors. Each series has its own history and source; state lines are not market boundaries.

Cross-system signal plane

Where state concentration readings diverge

Pearson r 0.247circle = HHI gapExplore state map
U.S. cross-system concentration relationship mapStates are colored by whether individual-insurance HHI, statewide bank-deposit HHI, both readings, or neither reading crosses the 2,500 guide. Select a state to inspect both bounded readings and open its evidence profile.
Selected stateDelaware (DE)South
Insurance HHI#4 / 51
5,925
Bank-deposit HHI#1 / 51
4,967
State insurance and statewide banking concentration signal planeFifty states and the District of Columbia plotted by statewide FDIC branch-deposit HHI on the horizontal axis and individual-insurance HHI on the vertical axis. Circle size represents the absolute gap between the two bounded systems, color represents Census region, and every point opens a state evidence profile.Statewide bank-deposit HHI / 2025Individual-insurance HHI / 2024New York: statewide bank-deposit HHI 1,577; individual-insurance HHI 1,582; absolute gap 5.Ohio: statewide bank-deposit HHI 1,094; individual-insurance HHI 1,619; absolute gap 525.North Carolina: statewide bank-deposit HHI 2,626; individual-insurance HHI 3,255; absolute gap 629.Washington: statewide bank-deposit HHI 966; individual-insurance HHI 1,772; absolute gap 806.Oregon: statewide bank-deposit HHI 1,247; individual-insurance HHI 2,071; absolute gap 824.Wisconsin: statewide bank-deposit HHI 649; individual-insurance HHI 1,474; absolute gap 825.Arizona: statewide bank-deposit HHI 1,498; individual-insurance HHI 2,410; absolute gap 912.Virginia: statewide bank-deposit HHI 1,109; individual-insurance HHI 2,213; absolute gap 1,104.California: statewide bank-deposit HHI 1,215; individual-insurance HHI 2,389; absolute gap 1,174.Pennsylvania: statewide bank-deposit HHI 903; individual-insurance HHI 2,222; absolute gap 1,319.Nevada: statewide bank-deposit HHI 1,462; individual-insurance HHI 2,811; absolute gap 1,349.Texas: statewide bank-deposit HHI 899; individual-insurance HHI 2,311; absolute gap 1,412.Michigan: statewide bank-deposit HHI 990; individual-insurance HHI 2,413; absolute gap 1,423.Idaho: statewide bank-deposit HHI 873; individual-insurance HHI 2,353; absolute gap 1,480.Colorado: statewide bank-deposit HHI 808; individual-insurance HHI 2,334; absolute gap 1,526.Georgia: statewide bank-deposit HHI 915; individual-insurance HHI 2,464; absolute gap 1,549.Missouri: statewide bank-deposit HHI 544; individual-insurance HHI 2,437; absolute gap 1,893.Minnesota: statewide bank-deposit HHI 1,459; individual-insurance HHI 3,547; absolute gap 2,088.Mississippi: statewide bank-deposit HHI 682; individual-insurance HHI 2,793; absolute gap 2,111.Florida: statewide bank-deposit HHI 755; individual-insurance HHI 2,868; absolute gap 2,113.Massachusetts: statewide bank-deposit HHI 1,637; individual-insurance HHI 3,864; absolute gap 2,227.Tennessee: statewide bank-deposit HHI 593; individual-insurance HHI 2,831; absolute gap 2,238.Kansas: statewide bank-deposit HHI 224; individual-insurance HHI 2,561; absolute gap 2,337.New Mexico: statewide bank-deposit HHI 761; individual-insurance HHI 3,222; absolute gap 2,461.Indiana: statewide bank-deposit HHI 447; individual-insurance HHI 2,957; absolute gap 2,510.New Jersey: statewide bank-deposit HHI 779; individual-insurance HHI 3,387; absolute gap 2,608.Maine: statewide bank-deposit HHI 696; individual-insurance HHI 3,414; absolute gap 2,718.Louisiana: statewide bank-deposit HHI 715; individual-insurance HHI 3,450; absolute gap 2,735.Montana: statewide bank-deposit HHI 1,158; individual-insurance HHI 3,955; absolute gap 2,797.Hawaii: statewide bank-deposit HHI 2,569; individual-insurance HHI 5,385; absolute gap 2,816.Illinois: statewide bank-deposit HHI 737; individual-insurance HHI 3,666; absolute gap 2,929.Alabama: statewide bank-deposit HHI 729; individual-insurance HHI 3,963; absolute gap 3,234.Maryland: statewide bank-deposit HHI 979; individual-insurance HHI 4,225; absolute gap 3,246.Kentucky: statewide bank-deposit HHI 360; individual-insurance HHI 3,644; absolute gap 3,284.Rhode Island: statewide bank-deposit HHI 2,083; individual-insurance HHI 5,433; absolute gap 3,350.South Carolina: statewide bank-deposit HHI 760; individual-insurance HHI 4,167; absolute gap 3,407.Oklahoma: statewide bank-deposit HHI 502; individual-insurance HHI 3,916; absolute gap 3,414.Nebraska: statewide bank-deposit HHI 570; individual-insurance HHI 4,116; absolute gap 3,546.Connecticut: statewide bank-deposit HHI 1,283; individual-insurance HHI 4,975; absolute gap 3,692.Utah: statewide bank-deposit HHI 1,185; individual-insurance HHI 5,304; absolute gap 4,119.West Virginia: statewide bank-deposit HHI 656; individual-insurance HHI 5,025; absolute gap 4,369.North Dakota: statewide bank-deposit HHI 460; individual-insurance HHI 4,878; absolute gap 4,418.Arkansas: statewide bank-deposit HHI 540; individual-insurance HHI 4,983; absolute gap 4,443.Vermont: statewide bank-deposit HHI 1,079; individual-insurance HHI 5,648; absolute gap 4,569.New Hampshire: statewide bank-deposit HHI 1,106; individual-insurance HHI 5,804; absolute gap 4,698.Wyoming: statewide bank-deposit HHI 544; individual-insurance HHI 5,695; absolute gap 5,151.DEDelaware: statewide bank-deposit HHI 4,967; individual-insurance HHI 5,925; absolute gap 958.SDSouth Dakota: statewide bank-deposit HHI 4,654; individual-insurance HHI 3,396; absolute gap 1,258.AKAlaska: statewide bank-deposit HHI 2,678; individual-insurance HHI 6,102; absolute gap 3,424.DCDistrict of Columbia: statewide bank-deposit HHI 1,739; individual-insurance HHI 6,945; absolute gap 5,206.IAIowa: statewide bank-deposit HHI 219; individual-insurance HHI 5,965; absolute gap 5,746.
Dual pressureDEInsurance 5,925 / banking 4,967Largest splitIAGap 5,746 HHI points; banking stays below guide
Banking-only0No state crosses the banking guide while insurance stays below it.
Selected stateDEDelaware
Insurance HHI
5,925
#4 / 51
Bank-deposit HHI
4,967
#1 / 51
Cross-system relationship
Both above 2,500 guide
Insurance +958 HHI
Open DE profile
NortheastMidwestSouthWest

Cross-source state field

State Formation Context Atlas

Place the latest Census business-application field beside separately bounded FDIC branch-deposit and KFF individual-insurance screens across every state jurisdiction, with no composite score.

Exact joins
51
50 states + D.C.
Systems
3
separate meanings
BFS coverage
100%
latest U.S. count
Formation edge
2026-07
monthly release

Jurisdictions

51

2024 public rows

High HHI

36

At or above 2,500

Majority leaders

21

Top insurer at 50%+

Thin rivalry

27

Three or fewer over 5%

State evidence directory

Compare every public state row

Rankings preserve the published measures: HHI, leading-insurer share, and the count of insurers above 5 percent.

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. The FDIC banking layer above is a separate statewide deposit screen with its own source, period, ownership aggregation, and local-market caveat.

State Competition Atlas | Antitrust Radar